ECCO USA, INC. 401K PLAN Contribution & Employer Match
How ECCO USA, INC. Supports Your Retirement Savings
ECCO USA, INC. provides retirement savings benefits through ECCO USA, INC. 401K 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.
ECCO USA, INC. 401K PLAN Average Participant Retirement Account Value
ECCO USA, INC. 401K PLAN Estimated Average Employee Contribution Amount
105,686.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,651.00 in ECCO USA, INC. 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ECCO USA, INC. 401K 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.
ECCO USA, INC. 401K PLAN Total Employer Contribution and Match Rate
ECCO USA, INC. 401K PLAN Estimated Average Employer Match
Investing in this additonal $969.00 for 20 years would give you extra $62,038.00, 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.
ECCO USA, INC. 401K PLAN Contribution & Match Policy
ECCO USA, INC. 401K PLAN Contribution, Match and Other Plan Policies
- Upon meeting eligibility requirements participants may contribute up to 100% of their plan compensation on a pre-tax or after-tax Roth basis, subject to Internal Revenue Code ("IRC") limitations.
- Participants who are at least age 50 may make an additional "catch up" contribution subject to IRC limitations.
- Participants may also elect a special salary deferral with respect to bonuses.
- Participants may also contribute funds from another qualified retirement plan ("rollover contributions") contributions, subject to certain requirements.
- The Company shall make safe harbor matching contributions equal to 100% of each participant’s deferral contributions up to 5% of the participant’s compensation, for a maximum match of 5% of compensation.
- The Company may also elect to make a discretionary matching contribution.
- Employees must be employed on the last day of the plan year to be eligible for the discretionary matching contribution.
- For the plan year ended December 31, 2024, the Company did not make a discretionary matching contribution.
- Participants are immediately vested in their voluntary contributions, safe harbor contributions, and earnings thereon.
- Participants become 100% vested in the Company’s discretionary matching contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
- Otherwise, a participant’s interest in the Company’s discretionary matching contributions and earnings thereon vests according to the following schedule: Completed Years Vesting of Service Percentage 1 0% 2 34% 3 67% 4 100%
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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