CWT 401(K) PLAN Contribution & Employer Match
How CWT US, LLC Supports Your Retirement Savings
CWT US, LLC provides retirement savings benefits through CWT 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.
CWT 401(K) PLAN Average Participant Retirement Account Value
CWT 401(K) PLAN Estimated Average Employee Contribution Amount
148,225.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,316.00 in CWT 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CWT 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.
CWT 401(K) PLAN Total Employer Contribution and Match Rate
CWT 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $394.00 for 20 years would give you extra $25,271.00, 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.
CWT 401(K) PLAN Contribution & Match Policy
CWT 401(K) PLAN Contribution, Match and Other Plan Policies
- The Plan allows participants age 50 and older to make catch-up contributions.
- NOT_FOUND – The text describes matching contributions but does not specify the match formula in the extracted section.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s matching contribution portion of their account, plus actual earnings thereon, is based on years of continuous service.
- For matching contributions made prior to December 31, 2017, a participant vests at a rate of 25% after two years of service and is 100% vested after five years of credited service.
- For matching contributions made after January 1, 2018, a participant vests at a rate of 50% after one year of service and is 100% vested after two years of credited service.
- Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.
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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