JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Contribution & Employer Match
How JBM PACKAGING COMPANY Supports Your Retirement Savings
JBM PACKAGING COMPANY provides retirement savings benefits through JBM PACKAGING COMPANY RETIREMENT 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.
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Average Participant Retirement Account Value
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Estimated Average Employee Contribution Amount
250,127.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,908.00 in JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JBM PACKAGING COMPANY RETIREMENT 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.
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Total Employer Contribution and Match Rate
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $1,679.00 for 20 years would give you extra $107,470.00, 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.
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Contribution & Match Policy
JBM PACKAGING COMPANY RETIREMENT PLAN AND TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of their wages subject to the maximum amount allowable under the Internal Revenue Code (IRC).
- The Plan includes an auto-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 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- The Plan also includes an automatic increase provision whereby participants’ deferral rate increase by 1% per year up to a maximum of 6% of compensation.
- The Company makes a safe harbor matching contribution equal to 100% of the first 1% of employee deferred wages and 50% on the next 5%.
- The Company may also make discretionary nonelective contributions as a uniform percentage of eligible compensation.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- For company contributions made prior to January 1, 2010, a participant is 100% vested in the Company’s discretionary and matching contributions after five years of credited service.
- Effective January 1, 2010, the Plan adopted certain safe harbor provisions, under which a participant is 100% vested in the Company’s safe harbor contributions after two years of credited 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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