RAM COMPANIES 401(K) SAVINGS PLAN Contribution & Employer Match

RAM COMPANIES 401(K) SAVINGS PLAN Contribution & Employer Match

RAM REALTY ADVISORS LLC provides the following retirement savings benefits to its employees:

RAM COMPANIES 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2021, the average participant retirement account value for RAM COMPANIES 401(K) SAVINGS PLAN is $88,731.00

RAM COMPANIES 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2021, the estimated average employee contribution amount per participant for RAM COMPANIES 401(K) SAVINGS PLAN is $4,946.00. 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.
316,584.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,946.00 in RAM COMPANIES 401(K) SAVINGS 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 RAM COMPANIES 401(K) SAVINGS 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’.

RAM COMPANIES 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2021, RAM COMPANIES 401(K) SAVINGS PLAN allocates $175,638.00 to match its employees' contributions, providing an employer match rate of 34.14% of their contributions

RAM COMPANIES 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2021, the estimated average employer match for an employee in RAM COMPANIES 401(K) SAVINGS PLAN is approximately $1,688.00
Investing in this additonal $1,688.00 for 20 years would give you extra $108,084.00, assuming a 10% annual return.

RAM COMPANIES 401(K) SAVINGS PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to the dollar limitation set forth in Section 402(g) of the Internal Revenue Code in effect at the beginning of the Plan year and are automatically enrolled at 2% of their compensation, unless another option is selected by them.

2. Employer Match/Contribution Conditions: The employer matches 50% of the first 6% of compensation contributed to the Plan.

3. Vesting Schedule/Eligibility: Participants are fully vested in their payroll deferral contributions and rollover contributions. The vesting schedule for employer discretionary matching contributions is 0% for the first year, 25% after the second year, 50% after the third year, and 100% after the fourth year. For employer profit-sharing contributions, the vesting is 0% for the first three years and 100% after attaining three years of service. Employees are eligible to participate after completing two months of service and reaching the age of 21.

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