FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How FRUIT CENTER, INC. Supports Your Retirement Savings

FRUIT CENTER, INC. provides retirement savings benefits through FRUIT CENTER, INC. 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.

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN is $74,900.00

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN is $1,882.00. 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.
120,471.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,882.00 in FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FRUIT CENTER, INC. 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.

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN allocates $385,587.00 to match its employees’ contributions, providing an employer match rate of 126.06% of their contributions

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN is approximately $2,440.00
Investing in this additonal $2,440.00 for 20 years would give you extra $156,187.00, 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.

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Contribution & Match Policy

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Plan Policies

FRUIT CENTER, INC. 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Contributions to the Plan can be made in increments of whole percentages or fixed dollar amounts, under salary reduction agreements.
  • Participants may also contribute amounts rolled over from qualified pension and profit-sharing plans meeting the requirements of Section 401(a), 403(a), 403(b) and 457(b) of the IRC.
  • The maximum allowable calendar-year pre-tax or post-tax voluntary contribution, as determined by the Internal Revenue Service, was $23,000 and $22,500 during the years ended December 31, 2024 and 2023, respectively, in addition to a maximum allowable catch-up contribution of $7,500 for each year.
  • The Company may make a discretionary non-elective matching contribution, which would be allocated based on the participant’s eligible compensation deferred into the plan each payroll period.
  • Additionally, the Company may make a discretionary non-elective contribution to eligible participants who have completed 501 hours of services during the plan year and/or are employed as of the last day of the plan year by the Company and/or a related employer.
  • Participants are immediately and 100% vested in their contributions plus any earnings thereon.
  • The participants become 100% vested in the Company’s discretionary elective and non-elective contributions plus any earnings thereon after three (3) years of service.
  • Participant accounts become fully vested upon death, disability, attainment of normal retirement age, or upon termination of the Plan.

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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