EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Contribution & Employer Match
How EASTMAN CREDIT UNION Supports Your Retirement Savings
EASTMAN CREDIT UNION provides retirement savings benefits through EASTMAN CREDIT UNION 401(K) INVESTMENT 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.
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Average Participant Retirement Account Value
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Estimated Average Employee Contribution Amount
313,888.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,904.00 in EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in EASTMAN CREDIT UNION 401(K) INVESTMENT 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.
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Total Employer Contribution and Match Rate
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Estimated Average Employer Match
Investing in this additonal $4,846.00 for 20 years would give you extra $310,166.00, 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.
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Contribution & Match Policy
EASTMAN CREDIT UNION 401(K) INVESTMENT PLAN Contribution, Match and Other Plan Policies
- Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation, as defined by the Plan, contributed as pre-tax 401(k) or after-tax Roth contributions to the Plan.
- The Plan allows participants age 50 and older to make catch-up contributions.
- The Plan has an automatic enrollment feature whereby participants are enrolled with a 6% deferral rate unless otherwise elected.
- For the year ended December 31, 2024, the Employer matching contribution was 100% of employee deferrals up to 6% of compensation deferred.
- Employee 401(k) contributions and Employer discretionary matching contributions, plus actual earnings thereon, are immediately 100% vested.
- Employer discretionary profit sharing contributions, plus actual earnings thereon, are subject to a three-year cliff, becoming 100% vested after the completion of three years of credited service.
- Notwithstanding the above, participants shall, however, become 100% vested in their account upon attaining normal retirement age, death, or total and complete 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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