RUE GILT GROUPE 401K PLAN Contribution & Employer Match

How RGG SERVICES, INC. Supports Your Retirement Savings

RGG SERVICES, INC. provides retirement savings benefits through RUE GILT GROUPE 401K 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.

RUE GILT GROUPE 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RUE GILT GROUPE 401K PLAN is $39,592.00

RUE GILT GROUPE 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RUE GILT GROUPE 401K PLAN is $3,423.00. 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.
219,090.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,423.00 in RUE GILT GROUPE 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RUE GILT GROUPE 401K 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.

RUE GILT GROUPE 401K PLAN Total Employer Contribution and Match Rate

In 2024, RUE GILT GROUPE 401K PLAN allocates $929,767.00 to match its employees’ contributions, providing an employer match rate of 21.63% of their contributions

RUE GILT GROUPE 401K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RUE GILT GROUPE 401K PLAN is approximately $683.00
Investing in this additonal $683.00 for 20 years would give you extra $43,753.00, 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.

RUE GILT GROUPE 401K PLAN Contribution & Match Policy

RUE GILT GROUPE 401K PLAN Plan Policies

RUE GILT GROUPE 401K PLAN Contribution, Match and Other Plan Policies

  • The Plan has an auto enroll feature for all eligible employees, that unless a participant affirmatively elected otherwise, an initial pre-tax deferral contribution of 5% is implemented after 35 days.
  • Participants may defer up to 60% of their eligible compensation, as defined by the Plan, up to a dollar limit set by Federal law.
  • Participants who have reached the age of 50 before the end of the Plan year are eligible to make catch-up contributions.
  • In addition, participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (Rollovers).
  • Each year, the Employer, at its discretion, may make a discretionary matching contribution to the Plan.
  • In order to be eligible for the Employer matching contribution, a participant must be employed on the last day of the Contribution Period (plan year-end).
  • For the Plan year ended December 31, 2024, the Employer did not elect to contribute a matching contribution to eligible participants.
  • Participants are immediately vested in their deferrals, Employer discretionary matching contribution and rollover accounts plus actual earnings thereon.
  • The Plan has a vesting requirement for any recipient of top heavy 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:

 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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