UPM RAFLATAC RETIREMENT SAVINGS PLAN Contribution & Employer Match
How UPM RAFLATAC, INC. Supports Your Retirement Savings
UPM RAFLATAC, INC. provides retirement savings benefits through UPM RAFLATAC RETIREMENT 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.
UPM RAFLATAC RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
UPM RAFLATAC RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
312,810.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,887.00 in UPM RAFLATAC RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UPM RAFLATAC RETIREMENT 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.
UPM RAFLATAC RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
UPM RAFLATAC RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $4,606.00 for 20 years would give you extra $294,790.00, 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.
UPM RAFLATAC RETIREMENT SAVINGS PLAN Contribution & Match Policy
UPM RAFLATAC RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 75% of pretax annual compensation, as defined in the Plan, and post-tax Roth 401(k) contributions.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- 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, with a default pre-tax deferral rate set at 6% of eligible compensation.
- The Plan also includes an auto-escalate provision where participants may increase their pre-tax deferral rate 1% annually on May 1st, up to a maximum of 6%.
- The Company makes safe harbor matching contributions at the rate of 100% of the first 4% of eligible compensation and 50% of the next 2% of eligible compensation contributed by the participant.
- The Company also makes a nonelective contribution equal to 4% of each participant’s eligible compensation.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Participants are immediately vested in safe harbor matching contributions made by the Company plus actual earnings.
- Vesting in the Company’s nonelective contributions plus actual earnings thereon is based on years of continuous service.
- A participant is fully vested after five years of credited service.
- A participant is also fully vested upon reaching normal retirement age, upon death, or upon becoming totally and permanently disabled.
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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