TRANSTAR, LLC SAVINGS PLAN Contribution & Employer Match
How TRANSTAR, LLC Supports Your Retirement Savings
TRANSTAR, LLC provides retirement savings benefits through TRANSTAR, LLC SAVINGS 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.
TRANSTAR, LLC SAVINGS PLAN Average Participant Retirement Account Value
TRANSTAR, LLC SAVINGS PLAN Estimated Average Employee Contribution Amount
506,722.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,917.00 in TRANSTAR, LLC SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TRANSTAR, LLC SAVINGS 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.
TRANSTAR, LLC SAVINGS PLAN Total Employer Contribution and Match Rate
TRANSTAR, LLC SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $3,137.00 for 20 years would give you extra $200,808.00, assuming a 10% annual return.
* 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.
TRANSTAR, LLC SAVINGS PLAN Contribution & Match Policy
TRANSTAR, LLC SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100% of eligible earnings as pretax savings or after tax savings in the form of Roth 401(k) contributions.
- The Plan permits additional elective deferrals (catchup contributions) to be made by any Plan participant who is age 50 or older by the close of the Plan year.
- Pursuant to the terms of various collective bargaining agreements, the Company matches represented employee contributions to the Plan, up to a maximum per annum per employee, between $750 and $2,250, as determined by the individual union and collective bargaining agreement.
- Nonrepresented salaried employee contributions are matched dollar-for-dollar up to a maximum of 6% of eligible earnings.
- Participants are fully vested in their employee contributions, rollover contributions and any earnings thereon. Their nonelective employer contributions and certain employer matching contributions based on date of hire and union contract, and any earnings thereon, vest based on the following schedule: Years of Vesting Service
- Less than 2 years: 0%
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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