DELAVAL DAIRY SERVICES RETIREMENT PLAN Contribution & Employer Match
How DELAVAL INC. Supports Your Retirement Savings
DELAVAL INC. provides retirement savings benefits through DELAVAL DAIRY SERVICES 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.
DELAVAL DAIRY SERVICES RETIREMENT PLAN Average Participant Retirement Account Value
DELAVAL DAIRY SERVICES RETIREMENT PLAN Estimated Average Employee Contribution Amount
388,566.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,071.00 in DELAVAL DAIRY SERVICES RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in DELAVAL DAIRY SERVICES 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.
DELAVAL DAIRY SERVICES RETIREMENT PLAN Total Employer Contribution and Match Rate
DELAVAL DAIRY SERVICES RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,344.00 for 20 years would give you extra $150,026.00, 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.
DELAVAL DAIRY SERVICES RETIREMENT PLAN Contribution & Match Policy
DELAVAL DAIRY SERVICES RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute a percentage of their annual compensation as defined by the Plan, not to exceed certain Internal Revenue Service (IRS) limitations.
- Participants hired after January 1, 2016, will be subjected to the Plan’s automatic enrollment provision.
- If a participant does not want to be automatically enrolled in the Plan at 6% of compensation, the participant must complete a contrary salary reduction agreement.
- Salary deferral contributions can be made as either pre-tax or Roth (after-tax) contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollover).
- The Company makes a matching contribution of up to 50% of the first 12% deferred by the participant.
- Additional amounts may be contributed at the option of the Company’s board of directors.
- Participants are fully vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s matching and discretionary contribution portion of their accounts is based on years of vesting service.
- A participant is 20% vested after one year of vesting service, 40% after two years, 60% after three years, 80% after four years, and 100% after five years of vesting service.
- Participants become fully vested upon death, disability, or attainment of normal retirement age.
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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