ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

How ROBROY INDUSTRIES, INC. Supports Your Retirement Savings

ROBROY INDUSTRIES, INC. provides retirement savings benefits through ROBROY INDUSTRIES, INC. 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.

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN is $58,065.00

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN is $9,855.00. 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.
630,765.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,855.00 in ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ROBROY INDUSTRIES, INC. 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.

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN allocates $1,343,351.00 to match its employees’ contributions, providing an employer match rate of 56.67% of their contributions

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN is approximately $2,792.00
Investing in this additonal $2,792.00 for 20 years would give you extra $178,741.00, 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.

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Contribution & Match Policy

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Plan Policies

ROBROY INDUSTRIES, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 25 percent of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Highly compensated employees are limited to deferral contributions up to 9 percent of pretax annual compensation.
  • 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 5 percent of eligible compensation and their contributions invested in the Fidelity Investments Freedom Fund that most closely corresponds to the participant’s age and a projected retirement date based on retirement at age 65, until changed by the participant.
  • Automatically enrolled participants will have their deferral rate increase by 1 percent on the anniversary of their enrollment date until their deferral rate reaches 15 percent.
  • The Company provides participants with a matching contribution as follows: 50 percent of the first 9 percent of compensation contributed by the employee for highly compensated employees, 50 percent of the first 7.5 percent of compensation contributed by the employee for employees eligible for the Company’s defined benefit plan and 50 percent of the first 10 percent of compensation contributed by the employee for all other employees for discretionary contributions.
  • 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 two years of credited service and 50 percent vested after three years of credited service.
  • Thereafter, the participant continues to vest in increments of 25 percent until 100 percent vested after five 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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