FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN Contribution & Employer Match
How FRANCO MANUFACTURING CO., INC. Supports Your Retirement Savings
FRANCO MANUFACTURING CO., INC. provides retirement savings benefits through FRANCO MANUFACTURING 401K & 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.
FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN Average Participant Retirement Account Value
FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
173,939.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,717.00 in FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FRANCO MANUFACTURING 401K & 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.
* 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.
FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN Contribution & Match Policy
FRANCO MANUFACTURING 401K & PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 60% of pre-tax annual compensation, as defined by the Plan.
- Participants may change their contribution percentages each pay period.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- The Plan provides a Roth 401(k) after-tax investment option.
- Participants may designate some or all of their deferral contribution as a Roth contribution.
- In no event may total participant pre-tax and Roth contributions exceed any statutory limitations as per the Internal Revenue Code (IRC).
- The Plan allows discretionary matching employer contributions.
- The Company may also make a discretionary profit sharing contribution, which is at the option of the Company’s Board of Directors.
- There were no employer matching contributions or profit sharing contributions for the year ended December 31, 2024.
- Participants are immediately vested in their contributions, plus actual earnings or less actual losses and administrative expenses thereon.
- Vesting in the Company’s discretionary matching contribution portion of their accounts is based on years of service.
- A participant becomes 20% vested after one year of service, 40% after two years, 60% after three years, 80% after four years, and 100% after five years of service.
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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