INFRAMARK 401(K) SAVINGS PLAN Contribution & Employer Match
How INFRAMARK, LLC Supports Your Retirement Savings
INFRAMARK, LLC provides retirement savings benefits through INFRAMARK 401(K) 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.
INFRAMARK 401(K) SAVINGS PLAN Average Participant Retirement Account Value
INFRAMARK 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
319,858.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,997.00 in INFRAMARK 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INFRAMARK 401(K) 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.
INFRAMARK 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
INFRAMARK 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,382.00 for 20 years would give you extra $88,498.00, 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.
INFRAMARK 401(K) SAVINGS PLAN Contribution & Match Policy
INFRAMARK 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 75 percent of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
- In addition, participants may contribute regular after-tax (non-Roth) contributions.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 6 percent of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- Automatically enrolled participants who have completed 12 months of service will have their deferral rate increase by 1 percent, as annually selected by the Plan administrator coinciding with annual corporate merit increases, until their deferral rate reaches 10 percent.
- The Company contributes a discretionary match of 50 percent of the first 6 percent of compensation contributed as an elective deferral, for a maximum matching contribution equal to 3 percent of compensation.
- Participants are vested immediately in their contributions, plus actual earnings thereon.
- Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
- A participant is 20 percent vested after 1 year of credited service and continues to vest in increments of 20 percent until 100 percent vested after 5 years of credited service.
- Employees who participated in the ESG 401(k) Plan will continue to be 100 percent vested in all employer contributions, including the matching contribution under the Inframark 401(k) Savings 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:
| 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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