CII & GPAL RETIREMENT PLAN Contribution & Employer Match
How CEREAL INGREDIENTS INC Supports Your Retirement Savings
CEREAL INGREDIENTS INC provides retirement savings benefits through CII & GPAL 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.
CII & GPAL RETIREMENT PLAN Average Participant Retirement Account Value
CII & GPAL RETIREMENT PLAN Estimated Average Employee Contribution Amount
266,312.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,161.00 in CII & GPAL RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CII & GPAL 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.
CII & GPAL RETIREMENT PLAN Total Employer Contribution and Match Rate
CII & GPAL RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,189.00 for 20 years would give you extra $76,145.00, 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.
CII & GPAL RETIREMENT PLAN Contribution & Match Policy
CII & GPAL RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The Plan provides that active participants may make voluntary contributions on a pre-tax basis, after-tax basis, or a combination thereof to the Plan, up to the maximum allowed by the Internal Revenue Code ($23,000 for 2024) as adjusted for applicable percentages of compensation.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions ($7,500 for 2024).
- Upon meeting eligibility requirements, employees are automatically enrolled with 3% pre-tax deferral elections, unless the participant opts out.
- Subsequent 1% annual deferral increases, up to a total of 6% participant deferral, are made unless the participant makes a contrary election.
- During 2024, the Company made matching contributions equal to 50% of each employee’s elective deferrals up to 4% (for a maximum employer match of 2%).
- A participant is fully vested after four years of credited 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:
| 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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