AMERICAN AIRLINES, INC. 401(K) PLAN Contribution & Employer Match

AMERICAN AIRLINES, INC. 401(K) PLAN Contribution & Employer Match

AMERICAN AIRLINES, INC. - RETIREMENT provides the following retirement savings benefits to its employees:

AMERICAN AIRLINES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for AMERICAN AIRLINES, INC. 401(K) PLAN is $132,379.00

AMERICAN AIRLINES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for AMERICAN AIRLINES, INC. 401(K) PLAN is $5,704.00. 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.
365,083.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,704.00 in AMERICAN AIRLINES, INC. 401(K) PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in AMERICAN AIRLINES, INC. 401(K) PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

AMERICAN AIRLINES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2023, AMERICAN AIRLINES, INC. 401(K) PLAN allocates $363,217,128.00 to match its employees' contributions, providing an employer match rate of 58.77% of their contributions

AMERICAN AIRLINES, INC. 401(K) PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in AMERICAN AIRLINES, INC. 401(K) PLAN is approximately $3,275.00
Investing in this additonal $3,275.00 for 20 years would give you extra $209,620.00, assuming a 10% annual return.

AMERICAN AIRLINES, INC. 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute on a before-tax, Roth, or after-tax basis with an auto-enrollment at a 3% or 6% contribution rate.

2. Employer Match/Contribution Conditions: MSS and CWA-IBT participants receive a 100% match on contributions up to 5.5%; flight attendants receive a 3% non-elective contribution and a 100% match on contributions up to 2.5%; TWU designated receive a 5% non-elective contribution and a 100% match up to 4%; IAM designated employees receive a 100% match up to 4%.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions and earnings; for employer contributions, participants must be employed for two years to become 100% vested.

4. Roth 401(k) contribution: Yes, the plan allows Roth 401(k) contributions.

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