CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Contribution & Employer Match
How CHURCH & DWIGHT CO., INC. Supports Your Retirement Savings
CHURCH & DWIGHT CO., INC. provides retirement savings benefits through CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES. 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.
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Average Participant Retirement Account Value
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Estimated Average Employee Contribution Amount
606,282.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,473.00 in CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES
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.
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Total Employer Contribution and Match Rate
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Estimated Average Employer Match
Investing in this additonal $11,826.00 for 20 years would give you extra $756,891.00, 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.
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Contribution & Match Policy
CHURCH & DWIGHT CO. , INC. SAVINGS AND PROFIT SHARING PLAN FOR SALARIED EMPLOYEES Contribution, Match and Other Plan Policies
- Participant contributions are matched by the Company up to 5% of eligible compensation at the rate of $1.00 for each $1.00 of participant contributions.
- An automatic escalation feature will increase participants’ pre-tax contributions one percentage point each year up a maximum of 10% of eligible compensation, increased to 15% as of August 1, 2024.
- Participants may opt out of escalation at any time.
- Total participant contributions cannot exceed 70% of eligible compensation.
- Highly compensated employees are subject to separate limits.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions but there is no Company match on catch-up contributions.
- All new hires become automatically enrolled in the Plan, whereby 3% pre-tax contributions would be deducted if no action is taken after 60 days of employment and will be invested in the target date retirement fund nearest the participant’s 65th birthday.
- Employees have the choice to decline automatic enrollment.
- Participant contributions are matched by the Company up to 5% of eligible compensation at the rate of $1.00 for each $1.00 of participant contributions.
- Vesting schedule:
- Less than 2 years: 0%
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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