FREEWAY CORPORATION RETIREMENT PLAN Contribution & Employer Match
How FREEWAY CORPORATION Supports Your Retirement Savings
FREEWAY CORPORATION provides retirement savings benefits through FREEWAY CORPORATION 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.
FREEWAY CORPORATION RETIREMENT PLAN Average Participant Retirement Account Value
FREEWAY CORPORATION RETIREMENT PLAN Estimated Average Employee Contribution Amount
163,705.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,557.00 in FREEWAY CORPORATION RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FREEWAY CORPORATION 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.
FREEWAY CORPORATION RETIREMENT PLAN Total Employer Contribution and Match Rate
FREEWAY CORPORATION RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $508.00 for 20 years would give you extra $32,572.00, 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.
FREEWAY CORPORATION RETIREMENT PLAN Contribution & Match Policy
FREEWAY CORPORATION RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The Plan provides for salary 401(k) contributions and for Roth contributions up to a maximum of 50 percent of annual compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
- Eligible employees who have reached age 50 during the plan year may elect to make catch-up contributions, as limited by the Internal Revenue Service (IRS).
- Employee contributions to the Plan are made through regular payroll deductions.
- All eligible employees are automatically enrolled with a deferral election of 3 percent of eligible compensation upon the date of enrollment.
- The Plan provides for discretionary employer matching and profit-sharing contributions.
- In 2024, eligible participants received discretionary matching contributions of one-half of their own contributions up to 3% of eligible compensation on a weekly basis.
- Vesting schedule: After 2 years of credited service: 20% After 3 years of credited service: 40% After 4 years of credited service: 60% After 5 years of credited service: 80% After 6 years of credited service: 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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