CLEMENTINA-CLEMCO GROUP 401(K) PLAN Contribution & Employer Match

How CLEMENTINA-CLEMCO HOLDINGS, INC. Supports Your Retirement Savings

CLEMENTINA-CLEMCO HOLDINGS, INC. provides retirement savings benefits through CLEMENTINA-CLEMCO GROUP 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.

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CLEMENTINA-CLEMCO GROUP 401(K) PLAN is $95,229.00

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CLEMENTINA-CLEMCO GROUP 401(K) PLAN is $10,090.00. 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.
645,787.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,090.00 in CLEMENTINA-CLEMCO GROUP 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CLEMENTINA-CLEMCO GROUP 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.

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CLEMENTINA-CLEMCO GROUP 401(K) PLAN allocates $260,222.00 to match its employees’ contributions, providing an employer match rate of 29.99% of their contributions

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CLEMENTINA-CLEMCO GROUP 401(K) PLAN is approximately $1,512.00
Investing in this additonal $1,512.00 for 20 years would give you extra $96,826.00, 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.

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Contribution & Match Policy

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Plan Policies

CLEMENTINA-CLEMCO GROUP 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees through a salary deferral election to have the Company make annual contributions of up to 50% of their eligible compensation.
  • Employee rollover contributions are also permitted.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan Document also includes an automatic deferral feature whereby a participant is treated as electing to defer 1% of eligible compensation unless the participant made an affirmative election otherwise.
  • The automatic deferral feature also provides for an annual increase of 1% to the percentage deferred and until it is capped at 6%.
  • The Company makes matching contributions of 50% of the first 6% of employees’ eligible compensation for a maximum of 3% of each participant’s eligible compensation.
  • Participants are immediately vested in their voluntary contributions plus earnings thereon.
  • For Company contributions prior to January 1, 2023, vesting in the Company’s contribution portion of their accounts plus earnings thereon is based on years of continuous service.
  • A participant is fully vested after 6 years of continuous service.
  • Effective January 1, 2023, participants are immediately vested in the Company’s contributions.

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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