COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Contribution & Employer Match
How COMMON SECURITIZATION SOLUTIONS, LLC Supports Your Retirement Savings
COMMON SECURITIZATION SOLUTIONS, LLC provides retirement savings benefits through COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR 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.
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Average Participant Retirement Account Value
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Estimated Average Employee Contribution Amount
714,025.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,156.00 in COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR 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.
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Total Employer Contribution and Match Rate
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Estimated Average Employer Match
Investing in this additonal $10,021.00 for 20 years would give you extra $641,362.00, 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.
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Contribution & Match Policy
COMMON SECURITIZATION SOLUTIONS, LLC RETIREMENT SAVINGS PLAN FOR EMPLOYEES Contribution, Match and Other Plan Policies
- Eligible employees may contribute up to 50% of their eligible compensation (as defined by the Plan) on a before-tax or Roth after-tax basis.
- The Plan includes an auto-enrollment provision whereby newly eligible employees are automatically enrolled in the Plan for pre-tax contributions at 6% of eligible compensation unless they make an affirmative election otherwise.
- If a participant attained age 50 on or before the last day of the Plan year (December 31) and made or was scheduled to make the maximum contributions to the Plan, the participant may elect to make additional catch-up contributions to the Plan in an amount up to $7,500 for 2024.
- The Company makes matching contributions on 100% of an employee’s before-tax or Roth after-tax contributions, up to a maximum of 6% of eligible compensation.
- The Company also contributes an additional amount, as a true-up contribution, to the extent necessary to ensure that the aggregate amount of matching contributions for the year is equal to the lesser of (i) 6% of each participant’s eligible compensation, which equates to a cap of $20,700, or (ii) 100% of each participant’s contributions.
- Participants are immediately 100% vested in their respective before-tax and Roth after-tax contributions, rollover contributions, qualified nonelective contributions, transition credits (if applicable) and the related investment income thereon.
- Participants are 100% vested immediately in the Company’s contribution portion of their accounts.
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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