CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Contribution & Employer Match

How CENTRAL SUPPLY COMPANY, INC Supports Your Retirement Savings

CENTRAL SUPPLY COMPANY, INC provides retirement savings benefits through CENTRAL SUPPLY CO EMPLOYEE RETIREMENT 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.

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN is $96,445.00

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN is $9,792.00. 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.
626,701.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,792.00 in CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CENTRAL SUPPLY CO EMPLOYEE RETIREMENT 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.

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN allocates $674,855.00 to match its employees’ contributions, providing an employer match rate of 56.72% of their contributions

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN is approximately $2,777.00
Investing in this additonal $2,777.00 for 20 years would give you extra $177,739.00, 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.

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Contribution & Match Policy

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Plan Policies

CENTRAL SUPPLY CO EMPLOYEE RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute to the Plan subject to limits imposed by Federal tax law.
  • The Plan includes automatic enrollment for all eligible employees who are not contributing participants.
  • The initial amount of the automatic Elective Deferral is 3% of Compensation.
  • The plan also has an automatic increase provision which will increase the participant’s deferral rate by 1% annually until the participant reaches the maximum rate of 15%.
  • The employee has the opportunity to opt to defer a different percentage.
  • The Company, at its discretion, may make a Matching, Qualified Matching, Profit Sharing, or top-heavy Contribution in an amount to be determined each year by the Employer.
  • A participant is 100% vested in the value of his or her accumulated voluntary contributions at all times.
  • A participant is considered fully vested in the Company’s matching and profit sharing contributions after three years.

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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