CFS BRANDS LLC 401K PLAN Contribution & Employer Match

How CFS BRANDS LLC Supports Your Retirement Savings

CFS BRANDS LLC provides retirement savings benefits through CFS BRANDS LLC 401K 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.

CFS BRANDS LLC 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CFS BRANDS LLC 401K PLAN is $52,519.00

CFS BRANDS LLC 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CFS BRANDS LLC 401K PLAN is $6,077.00. 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.
388,928.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,077.00 in CFS BRANDS LLC 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CFS BRANDS LLC 401K 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.

CFS BRANDS LLC 401K PLAN Total Employer Contribution and Match Rate

In 2024, CFS BRANDS LLC 401K PLAN allocates $1,981,318.00 to match its employees’ contributions, providing an employer match rate of 54.11% of their contributions

CFS BRANDS LLC 401K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CFS BRANDS LLC 401K PLAN is approximately $1,644.00
Investing in this additonal $1,644.00 for 20 years would give you extra $105,231.00, 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.

CFS BRANDS LLC 401K PLAN Contribution & Match Policy

CFS BRANDS LLC 401K PLAN Plan Policies

CFS BRANDS LLC 401K PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to defer up to 50 percent of annual compensation in pre-tax, Roth, or after-tax contributions, as defined in the plan document and allowed by law.
  • Participants may also roll over amounts representing distributions from other qualified plans.
  • The Plan permits catch-up contributions for participants who have attained age 50 by the end of the plan year.
  • The Plan provides for automatic election of participant contributions at a rate of 3 percent of compensation.
  • Participants may affirmatively elect a different contribution percentage or elect not to defer into the Plan.
  • Unless affirmatively elected otherwise, the contribution percentage for participants enrolled in the Plan is increased annually on March 1st by 1 percent, not to exceed 6 percent of compensation.
  • The Company matches 100 percent of participant deferrals up to 3 percent of compensation plus 50 percent of participant deferrals up to the next 2 percent of compensation for a maximum matching contribution equal to 4 percent of compensation under a safe harbor provision, as defined in the plan document.
  • Participants are immediately vested in all contributions plus actual earnings thereon.

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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