TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Contribution & Employer Match
How TWIN CITY FAN COMPANIES, LTD. Supports Your Retirement Savings
TWIN CITY FAN COMPANIES, LTD. provides retirement savings benefits through TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST. 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.
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Average Participant Retirement Account Value
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Estimated Average Employee Contribution Amount
199,466.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,116.00 in TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST
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.
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Total Employer Contribution and Match Rate
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $1,124.00 for 20 years would give you extra $71,999.00, 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.
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Contribution & Match Policy
TWIN CITY FAN RETIREMENT SAVINGS PLAN AND TRUST Contribution, Match and Other Plan Policies
- The Plan provides for employee salary deferral contributions up to a maximum of 75% of their annual eligible compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
- The Plan allows participants to contribute up to 75% of their annual eligible compensation on an after-tax basis.
- Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
- Newly eligible employees who do not affirmatively elect to have a specific deferral percentage contributed or opt out of deferring into the Plan will automatically have 3% of their eligible compensation deferred into the Plan, increasing 1% annually to a maximum of 10%.
- Effective January 1, 2024, the Plan was amended to change the maximum automatic deferral percentage from 10% to 15%.
- For both of the years ended December 31, 2024 and 2023, 50% of the first 6% of compensation deferred by the participant was matched by the Company.
- Vesting schedule for matching contributions:
- Less than 1 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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