FRONTWAVE CREDIT UNION RETIREMENT PLAN Contribution & Employer Match

How FRONTWAVE CREDIT UNION Supports Your Retirement Savings

FRONTWAVE CREDIT UNION provides retirement savings benefits through FRONTWAVE CREDIT UNION 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.

FRONTWAVE CREDIT UNION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FRONTWAVE CREDIT UNION RETIREMENT PLAN is $70,019.00

FRONTWAVE CREDIT UNION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FRONTWAVE CREDIT UNION RETIREMENT PLAN is $3,540.00. 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.
226,611.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,540.00 in FRONTWAVE CREDIT UNION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FRONTWAVE CREDIT UNION 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.

FRONTWAVE CREDIT UNION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, FRONTWAVE CREDIT UNION RETIREMENT PLAN allocates $1,001,461.00 to match its employees’ contributions, providing an employer match rate of 73.37% of their contributions

FRONTWAVE CREDIT UNION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FRONTWAVE CREDIT UNION RETIREMENT PLAN is approximately $2,466.00
Investing in this additonal $2,466.00 for 20 years would give you extra $157,865.00, 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.

FRONTWAVE CREDIT UNION RETIREMENT PLAN Contribution & Match Policy

FRONTWAVE CREDIT UNION RETIREMENT PLAN Plan Policies

FRONTWAVE CREDIT UNION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • The Plan allows participants to contribute up to 100% of their annual income on a pre-tax basis up to the maximum amount allowed by law for the plan year.
  • Participants over the age of 50 may also made catch-up contributions of $7,500 for both 2024 and 2023.
  • The Plan also contains automatic enrollment and automatic escalation features.
  • The participants will be notified approximately 30 days prior to the date of rehire or entry date and will be automatically enrolled with a 3% pre-tax contribution.
  • Auto escalation is 1% each year up to 6%.
  • The Plan Sponsor matches 100% of up to 5% of the participant’s compensation.
  • This safe harbor matching contribution is 100% vested.
  • Participants are immediately vested in their voluntary contributions and the Plan Sponsor’s matching contributions plus actual earnings thereon.
  • Prior to 2008, vesting in the Plan Sponsor’s contribution portion of participants’ accounts was based on equally graduated levels beginning after two years of credited service and participants were 100% vested after six years of credited service.
  • Beginning in 2008, in order to maintain the safe harbor status, employer contributions are 100% vested.
  • Vesting in the remainder of participants’ accounts is based on years of continuous service, and participants are 100% vested after six years.

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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