JAX INC 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Employer Match
How JAX INC Supports Your Retirement Savings
JAX INC provides retirement savings benefits through JAX INC 401(K) PROFIT SHARING 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.
JAX INC 401(K) PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value
JAX INC 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount
33,100.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 517.00 in JAX INC 401(K) PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JAX INC 401(K) PROFIT SHARING 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.
* 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.
JAX INC 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 100% of their pretax annual compensation, not to exceed the maximum allowable by law ($20,500 in 2022; thereafter as adjusted by the Secretary of the Treasury).
2. Employer Match/Contribution Conditions: The employer makes discretionary matching contributions equal to 100% of deferrals up to 3% of eligible compensation, plus 50% of the amount of deferrals up to 5% of eligible compensation.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their voluntary contributions. Vesting in employer contributions is based on years of service: 0% for less than 1 year, 20% for 1 year, 40% for 2 years, 60% for 3 years, 80% for 4 years, and 100% for 5 years. Participants are immediately 100% vested upon death, disability, or attaining normal retirement age.
4. Roth 401(k) Contribution: The plan allows for Roth 401(k) contributions.
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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