TITLE RESOURCES GROUP 401(K) PLAN Contribution & Employer Match
How TITLE RESOURCES GUARANTY COMPANY Supports Your Retirement Savings
TITLE RESOURCES GUARANTY COMPANY provides retirement savings benefits through TITLE RESOURCES GROUP 401(K) PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
* Data are from public filings.
Employer Match in TITLE RESOURCES GROUP 401(K) PLAN
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
TITLE RESOURCES GROUP 401(K) PLAN Total Employer Contribution and Match Rate
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
TITLE RESOURCES GROUP 401(K) PLAN Contribution & Match Policy
TITLE RESOURCES GROUP 401(K) PLAN Contribution, Match and Other Plan Policies
- Under the terms of the Plan, participants may make elective contributions to the Plan at a minimum of 1% of the compensation of the participant to a maximum of 75% of their annual compensation, subject to the limitations in the IRC.
- The Plan also allows for Roth contributions and for catch up contributions for participants who are 50 and older, which are also subject to the limitations in the IRC.
- Participants are automatically enrolled in the Plan at a deferral percentage rate of 1% of compensation unless they affirmatively elect to not participate in the automatic contribution arrangement.
- This percentage is automatically increased by 1% on the one-year anniversary of the automatic enrollment date up to 6% which continues at this rate until changed by the employee.
- The Plan Sponsor may make non-safe harbor matching contributions equal to 60% of participants elective contributions not exceeding 6% of compensation.
- Participants are fully vested in their elected contributions, rollover contributions.
- Vesting in non-safe harbor matching contributions, plus actual earnings is based on years of continuous service according to the following schedule: Vested Years of Service Percentage 1 year of service 33% 2 years of service 66% 3 years of service 100%
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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