YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How YANCEY BROS. CO Supports Your Retirement Savings

YANCEY BROS. CO provides retirement savings benefits through YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING 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.

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN is $100,221.00

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN is $7,218.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
461,984.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,218.00 in YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING 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.

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN allocates $10,499,543.00 to match its employees’ contributions, providing an employer match rate of 72.45% of their contributions

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN is approximately $4,539.00
Investing in this additonal $4,539.00 for 20 years would give you extra $290,519.00, 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.

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Contribution & Match Policy

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Plan Policies

YANCEY BROS. EMPLOYEES’ 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Under the 401(k) feature, participants may contribute from 1% to 50% of their eligible compensation on a pre-tax, Roth after-tax, or other after-tax basis to the Plan each year, subject to the maximum allowable annual limits.
  • Participants who reach age 50 or older in a plan year and make the maximum pre-tax contribution for the year may make an additional "catch-up contribution," subject to limits.
  • New employees are automatically enrolled in the Plan at a deferral rate of 6% and have their contribution invested in a default investment, until changed by the employee.
  • This rate increases by 2% annually up to a total deferral rate of 12%.
  • For the years ended December 31, 2024 and 2023, the Company matched 50% of participant contributions up to 8% of participant compensation deferred.
  • For the years ended December 31, 2024 and 2023, for only those participants who are age 55 and over, the Company matched up to 50% of participant contributions up to 12% of participant compensation deferred.
  • Participants are immediately vested in their own contributions and one-time prior non-elective contributions plus allocated earnings thereon.
  • The employer matching, standard non-elective, and profit sharing contributions are 100% vested after three years of credited service, as defined in the Plan document.
  • Participants are also immediately vested upon death, disability, early retirement (age 62 and 20 years of service) or normal retirement (age 65).

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:

 20242025
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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