A O SMITH RETIREMENT SECURITY PLAN Contribution & Employer Match

How A O SMITH CORPORATION Supports Your Retirement Savings

A O SMITH CORPORATION provides retirement savings benefits through A O SMITH RETIREMENT SECURITY 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.

A O SMITH RETIREMENT SECURITY PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for A O SMITH RETIREMENT SECURITY PLAN is $100,964.00

A O SMITH RETIREMENT SECURITY PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for A O SMITH RETIREMENT SECURITY PLAN is $4,302.00. 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.
275,359.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,302.00 in A O SMITH RETIREMENT SECURITY PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in A O SMITH RETIREMENT SECURITY 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.

A O SMITH RETIREMENT SECURITY PLAN Total Employer Contribution and Match Rate

In 2024, A O SMITH RETIREMENT SECURITY PLAN allocates $11,268,618.00 to match its employees’ contributions, providing an employer match rate of 45.22% of their contributions

A O SMITH RETIREMENT SECURITY PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in A O SMITH RETIREMENT SECURITY PLAN is approximately $1,841.00
Investing in this additonal $1,841.00 for 20 years would give you extra $117,880.00, 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.

A O SMITH RETIREMENT SECURITY PLAN Contribution & Match Policy

A O SMITH RETIREMENT SECURITY PLAN Plan Policies

A O SMITH RETIREMENT SECURITY PLAN Contribution, Match and Other Plan Policies

  • The Plan is a defined contribution plan to which participants may make contributions of not less than 1% and up to 100% of their earnings in any combination of before-tax and after-tax (Roth) contributions.
  • The Internal Revenue Code also allows additional catch-up contributions for participants age fifty or older.
  • The maximum additional contribution allowed was $7,500 in 2024 and $7,500 in 2023.
  • For non-union employees, the Company makes a matching contribution equal to 100% on the first 1% of a participant’s compensation and 50% on the next 5% of a participant’s compensation that is contributed to the Plan, for a maximum annual matching contribution of 3.5%.
  • Union employees receive a Company matching contribution equal to 50% of their contribution up to 4% of payroll period compensation.
  • Participants of the Plan are immediately 100% vested in their own contributions to the Plan.
  • Company matching contributions are 100% vested after two years of vesting service.
  • Non-elective company contributions to the plan are 100% vested after three years of vesting 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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