JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Employer Match

How JOHNSON-BARROW, INC. Supports Your Retirement Savings

JOHNSON-BARROW, INC. provides retirement savings benefits through JOHNSON-BARROW, 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.

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST is $104,294.00

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST is $9,149.00. 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.
585,578.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,149.00 in JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in JOHNSON-BARROW, 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.

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST allocates $857,153.00 to match its employees’ contributions, providing an employer match rate of 54.95% of their contributions

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST is approximately $4,062.00
Investing in this additonal $4,062.00 for 20 years would give you extra $259,989.00, 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.

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Match Policy

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Plan Policies

JOHNSON-BARROW, INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of eligible annual compensation as pre-tax or Roth contributions, following their first 30 days of employment, as defined in the plan agreement.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
  • Additionally, participants age 50 or older, who are making contributions to the plan, are allowed to make catch-up contributions.
  • The plan includes an auto-enrollment feature.
  • All employees are automatically enrolled in the plan on the first day of the month coinciding with or following the date eligibility requirements are satisfied at a contribution rate of 5%.
  • The company may make safe harbor matching contributions equal to 100% of the participants’ contributions up to 3% of the participant’s eligible compensation, plus 50% of the participant’s contributions between 3% and 5% of the participant’s eligible compensation as defined in the plan agreement.
  • Participants are immediately vested in their contributions, safe harbor contributions, and rollover contributions plus actual earnings thereon.
  • A participant becomes 20% vested in employer matching and profit sharing contributions after two years of service and vests ratably thereafter until 100% vested after 6 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:

 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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