CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Contribution & Employer Match
How CREATIVE DINING SERVICES, INC. Supports Your Retirement Savings
CREATIVE DINING SERVICES, INC. provides retirement savings benefits through CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS 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.
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
89,240.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,394.00 in CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS 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.
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $475.00 for 20 years would give you extra $30,409.00, 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.
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Contribution & Match Policy
CREATIVE DINING SERVICES, INC. RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of the participant’s pre-tax annual compensation during the pay period, as defined in the Plan, not to exceed the maximum allowed by ERISA and IRS regulations.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- During the years ended December 31, 2024 and 2023, the Company contributed 50% and 42%, respectively, of the first 6% of base compensation that a participant contributed to the Plan.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Vesting in the Company’s matching contribution portion of their accounts plus actual earnings thereon is based on credited years of service.
- The Company uses a 3-year cliff schedule using the Elapsed Time method of service, in which years are measured on the elapsed time from an employee’s anniversary date.
- Years of Service Vested Percentage 1 Year of service 0% 2 Years of service 0% 3 Years of service 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:
| 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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