REPUBLIC NATIONAL 401(K) PLAN Contribution & Employer Match
How REPUBLIC NATIONAL DISTRIBUTING COMPANY Supports Your Retirement Savings
REPUBLIC NATIONAL DISTRIBUTING COMPANY provides retirement savings benefits through REPUBLIC NATIONAL 401(K) 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.
REPUBLIC NATIONAL 401(K) PLAN Average Participant Retirement Account Value
REPUBLIC NATIONAL 401(K) PLAN Estimated Average Employee Contribution Amount
358,872.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,607.00 in REPUBLIC NATIONAL 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in REPUBLIC NATIONAL 401(K) 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.
REPUBLIC NATIONAL 401(K) PLAN Total Employer Contribution and Match Rate
REPUBLIC NATIONAL 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,812.00 for 20 years would give you extra $115,973.00, 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.
REPUBLIC NATIONAL 401(K) PLAN Contribution & Match Policy
REPUBLIC NATIONAL 401(K) PLAN Contribution, Match and Other Plan Policies
- Participants are automatically enrolled in the Plan at 9% unless they elect otherwise.
- A non-highly compensated employee may contribute up to 75% of compensation subject to Internal Revenue Service limitations of $23,000 in 2024.
- Highly compensated employees are limited to deferring 8% of their compensation.
- An eligible employee may also elect to make voluntary after-tax contributions up to 25% of base compensation.
- Participants who have attained the age of 50 before the end of the Plan year were allowed to make catch-up contributions of up to $7,500 in 2024.
- During 2024, the Plan was amended to allow for catch-up contributions of up to 150% of the catch-up contribution limit for participants who are at least age 60 but not age 64 or older as of the last day of the Plan year, for Plan years beginning on or after January 1, 2025.
- The Company makes a regular matching contribution each pay period equal to 50% of participant contributions, up to 8% of eligible compensation for a participant who is not a member of and does not participate under the defined benefit plan sponsored by the Block Company, and 25% of participant contributions up to 6% of eligible compensation for a participant who is a member of and benefits under the defined benefit plan sponsored by the Block Company.
- Participants are immediately vested in their elective deferrals, Roth and after-tax contributions, and earnings thereon.
- Upon completion of three years of service, participants are 100% vested in matching contributions except as further discussed in this footnote.
- Participants with prior National Distributing Company Mid-Atlantic 401(k) Plan matching contributions are 100% vested at all times in their matching contributions.
- Participants with prior Republic Beverage Company, Inc.
- matching contributions are 100% vested at all times in such matching contributions.
- Participants that were part of the Naifeh Plan merger were 100% vested in prior employer matching and profit-sharing contributions at the time of the merger and were credited with prior service at Naifeh with the Company.
- A participant’s vested interest in prior National Distributing Company, Inc.
- profit sharing contributions will be 100% vested after completion of three years of service and participants receiving profit sharing contributions previously made under another plan maintained by an entity adopting the Plan will be 100% vested in such contributions after completion of five years of service.
- Participants covered under certain collective bargaining agreements receive weekly profit-sharing contributions for each eligible week.
- Covered participants are 100% vested at all times in their weekly profit-sharing 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.
Get Key Insights for This Plan
Join our community and get data-driven insights about REPUBLIC NATIONAL 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching REPUBLIC NATIONAL 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator