BROWN-FORMAN CORPORATION SAVINGS PLAN Contribution & Employer Match
How BROWN-FORMAN CORPORATION Supports Your Retirement Savings
BROWN-FORMAN CORPORATION provides retirement savings benefits through BROWN-FORMAN CORPORATION 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.
BROWN-FORMAN CORPORATION SAVINGS PLAN Average Participant Retirement Account Value
BROWN-FORMAN CORPORATION SAVINGS PLAN Estimated Average Employee Contribution Amount
516,600.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,071.00 in BROWN-FORMAN CORPORATION SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BROWN-FORMAN CORPORATION 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.
BROWN-FORMAN CORPORATION SAVINGS PLAN Total Employer Contribution and Match Rate
BROWN-FORMAN CORPORATION SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $3,984.00 for 20 years would give you extra $255,027.00, 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.
BROWN-FORMAN CORPORATION SAVINGS PLAN Contribution & Match Policy
BROWN-FORMAN CORPORATION SAVINGS PLAN Contribution, Match and Other Plan Policies
- Employees may contribute to the Plan between 1% and 100% of their compensation.
- Newly eligible employees and employees who have not completed a salary reduction form are automatically enrolled in the Plan at a 5% of compensation deferral rate unless they indicate a desire not to make contributions or elect to enroll at a different percentage.
- Eligible participants who have attained age 50 before the close of the plan year may make catch-up contributions in an amount of 1% to 100% of the employee’s compensation.
- The Company contributes matching contributions in an amount equal to 100% of the participant’s elective deferral for up to 5% of compensation that is deferred.
- Participants are immediately vested in their employee contributions plus actual earnings thereon.
- Vesting in the Company’s contributions and earnings thereon is 25% per year of service with the Company.
- After four years of service, participants will become 100% vested in the company contributions account.
- Participants will become 100% vested in their Company contributions account in case of death, normal retirement, or total and permanent disability while employed.
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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