FCA US LLC UAW SAVINGS PLAN Contribution & Employer Match

How FCA US LLC Supports Your Retirement Savings

FCA US LLC provides retirement savings benefits through FCA US LLC UAW 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.

FCA US LLC UAW SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FCA US LLC UAW SAVINGS PLAN is $101,499.00

FCA US LLC UAW SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FCA US LLC UAW SAVINGS PLAN is $4,775.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
305,624.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,775.00 in FCA US LLC UAW SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FCA US LLC UAW 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.

FCA US LLC UAW SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, FCA US LLC UAW SAVINGS PLAN allocates $194,424,980.00 to match its employees’ contributions, providing an employer match rate of 77.74% of their contributions

FCA US LLC UAW SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FCA US LLC UAW SAVINGS PLAN is approximately $3,798.00
Investing in this additonal $3,798.00 for 20 years would give you extra $243,111.00, 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.

FCA US LLC UAW SAVINGS PLAN Contribution & Match Policy

FCA US LLC UAW SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Eligible SESP employees may elect to contribute 1% to 50% of base salary or total compensation, as defined in the SESP, on a pre-tax, Roth 401(k), and/or after-tax basis (cumulatively).
  • After-tax contributions are limited to 10% of base pay.
  • In addition, eligible employees of the SESP may contribute up to 100% of any award payment from the Company’s performance-based cash bonus plan on a pre-tax or Roth 401(k) basis.
  • Effective January 1, 2020, eligible UAWSP employees may elect to contribute 1% to 100% of total compensation, as defined in the UAWSP, on a pre-tax, Roth 401(k), and/or after-tax basis (cumulatively).
  • After-tax contributions are limited to 10% of compensation.
  • In addition, eligible employees of the UAWSP may contribute up to 100% of any eligible profit sharing payment plan on a pre-tax or Roth 401(k) basis.
  • The Company contributes company matching contributions in an amount equal to 50% of a participant’s pre-tax/Roth 401(k) contributions and catch-up contributions up to 10% of base salary per pay period subject to IRS limits.
  • The Company also contributes a non-matching automatic company contribution in an amount equal to 3% of the participant’s base salary per pay period to eligible employees.
  • A contractual agreement between the Company and the UAW requires the Company to contribute an amount equal to $1.00 per eligible compensated hour into the UAWSP and 10% of eligible compensation for 2024 and 6.4% of eligible compensation for 2023 for the following hourly and salaried represented employees: Hourly employees hired or rehired on or after October 29, 2007; Salaried represented employees hired or rehired on or after April 15, 2010; Skilled trades employees hired or rehired on or after October 12, 2011; GEMA (Dundee) employees hired or rehired on or after October 12, 2011.
  • Plan participants are immediately 100% vested in participant contributions plus actual earnings thereon.
  • The Company matching contributions in the SESP are immediately 100% vested.
  • The automatic 3% Company contribution is 100% vested upon three years of service.
  • The Company contributions in the UAWSP are 100% vested upon three years of service.

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:

 20242025
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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