COSM INC. 401(K) PLAN Contribution & Employer Match

How COSM INC. Supports Your Retirement Savings

COSM INC. provides retirement savings benefits through COSM INC. 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.

COSM INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for COSM INC. 401(K) PLAN is $134,610.00

COSM INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for COSM INC. 401(K) PLAN is $11,067.00. 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.
708,299.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,067.00 in COSM INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in COSM INC. 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.

COSM INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, COSM INC. 401(K) PLAN allocates $2,229,276.00 to match its employees’ contributions, providing an employer match rate of 67.26% of their contributions

COSM INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in COSM INC. 401(K) PLAN is approximately $6,074.00
Investing in this additonal $6,074.00 for 20 years would give you extra $388,756.00, 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.

COSM INC. 401(K) PLAN Contribution & Match Policy

COSM INC. 401(K) PLAN Plan Policies

COSM INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute a percentage of their eligible compensation, as defined by the Plan document, to the Plan each year, subject to the limitations of the Internal Revenue Code (IRC).
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • Each January, participants’ deferral rates automatically increase by 1% until reaching the maximum 6% deferral rate.
  • Participants who have attained age 50 before the end of the year are eligible to make catch-up contributions.
  • Through April 31, 2024, the Company made a safe harbor contribution of 3% of eligible compensation for each employee.
  • Effective May 1, 2024, the Company elected a safe harbor contribution of 4% of eligible compensation.
  • The Company can also make a discretionary match.
  • Employees are required to have one year of employment to receive the discretionary match.
  • Interns and temporary workers are ineligible for the employer matching contributions.
  • Through April 30, 2024, the Company made discretionary contributions to each participant’s account equal to 3% for participants who made a 6% or more contribution.
  • Starting May 1, 2024, the Company made discretionary contributions to each participant’s account equal to 1% for participants who made a 5% contribution and 2% for participants who made a 6% or more contribution to qualify for the discretionary match.
  • Vesting schedule:
  • 5+ years: 100%

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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