CARLSON CAPITAL, L.P. 401(K) PLAN Contribution & Employer Match

How CARLSON CAPITAL, L.P. Supports Your Retirement Savings

CARLSON CAPITAL, L.P. provides retirement savings benefits through CARLSON CAPITAL, L.P. 401(K) 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.

CARLSON CAPITAL, L.P. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CARLSON CAPITAL, L.P. 401(K) PLAN is $232,903.00

CARLSON CAPITAL, L.P. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CARLSON CAPITAL, L.P. 401(K) PLAN is $4,392.00. 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.
281,124.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,392.00 in CARLSON CAPITAL, L.P. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CARLSON CAPITAL, L.P. 401(K) 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.

* 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.

CARLSON CAPITAL, L.P. 401(K) PLAN Contribution & Match Policy

CARLSON CAPITAL, L.P. 401(K) PLAN Plan Policies

CARLSON CAPITAL, L.P. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Newly hired full-time employees are automatically enrolled in the Plan on the first day of the month after their hire date, with two percent of eligible compensation deferred from each paycheck.
  • The maximum salary deferral contribution per year is 90 percent of eligible compensation including bonuses paid for the year, subject to Code limitation of $23,000 for plan year 2024.
  • Participants who reach the age of fifty by the end of the Plan year are eligible to contribute up to an additional $7,500 as a "catch-up" contribution.
  • In addition to traditional pre-tax salary deferrals, participants may elect to make Roth 401(k) deferrals, which are subject to current income tax rates in the year of deferral, however, such deferrals and, subject to qualifications, earnings thereon are not subject to federal income taxes when distributed to the participant.
  • The Company may make discretionary profit-sharing contributions.
  • Participants are eligible to share in the discretionary profit-sharing contributions.
  • To be eligible for the profit-sharing contributions, participants must have been employed by the Company (in the U.S.
  • only) for one full year as of December 31 of the profit-sharing year.
  • Therefore, for 2024, the participant must have been continuously employed from January 1, 2024, to December 31, 2024.
  • For part-time employees (U.S.
  • only), participants must meet the employment requirement above and have one thousand hours of service in the calendar year.
  • No employer profit sharing contributions were made for the 2024 plan year.
  • Vesting in salary deferral and rollover contributions is 100 percent.
  • Vesting in matching and profit-sharing contributions is 20 percent per year of vesting service.
  • An employee is credited with a year of vesting service for each calendar year in which the participant completes at least 1,000 hours of service.
  • Participants are fully vested after five years of 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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