CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Contribution & Employer Match

How CU COOPERATIVE SYSTEMS, INC. Supports Your Retirement Savings

CU COOPERATIVE SYSTEMS, INC. provides retirement savings benefits through CO-OP SOLUTIONS 401(K) 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.

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CO-OP SOLUTIONS 401(K) RETIREMENT PLAN is $89,245.00

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CO-OP SOLUTIONS 401(K) RETIREMENT PLAN is $11,607.00. 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.
742,849.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,607.00 in CO-OP SOLUTIONS 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CO-OP SOLUTIONS 401(K) 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.

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, CO-OP SOLUTIONS 401(K) RETIREMENT PLAN allocates $10,557,577.00 to match its employees’ contributions, providing an employer match rate of 75.70% of their contributions

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CO-OP SOLUTIONS 401(K) RETIREMENT PLAN is approximately $4,393.00
Investing in this additonal $4,393.00 for 20 years would give you extra $281,183.00, 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.

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Contribution & Match Policy

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Plan Policies

CO-OP SOLUTIONS 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, Participants may make salary deferral contributions up to 100% of pre-tax or after-tax annual compensation, as defined in the Plan, up to the maximum allowed by the IRC.
  • The maximum annual deferral for 2024 was $23,000.
  • Participants age 50 and over were eligible to make additional catch-up contributions of up to $7,500 in 2024.
  • The Plan provides a Safe Harbor Matching Contribution equal to 134% of the first 1% of plan compensation, 133% of the next 2% of plan compensation, and 100% of the next 3% of plan compensation.
  • Participants are immediately vested in employee deferral contributions, rollover contributions, employer Safe Harbor matching contributions and profit sharing contributions.
  • Effective January 1, 2023, employees hired after January 1, 2023 are fully vested in the discretionary profit sharing contribution after one year of employment.

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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