GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

How GYPSUM MANAGEMENT AND SUPPLY INC Supports Your Retirement Savings

GYPSUM MANAGEMENT AND SUPPLY INC provides retirement savings benefits through GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) 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.

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN is $46,265.00

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN is $4,378.00. 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.
280,239.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,378.00 in GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) 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.

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN allocates $8,277,745.00 to match its employees’ contributions, providing an employer match rate of 32.69% of their contributions

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN is approximately $1,236.00
Investing in this additonal $1,236.00 for 20 years would give you extra $79,118.00, 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.

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Contribution & Match Policy

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Plan Policies

GYPSUM MANAGEMENT AND SUPPLY, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to defer a portion of their annual compensation subject to IRC limitations.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 2 percent of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • The Sponsoring Employer may make discretionary matching contributions on a per-payroll-period basis in any amount the Sponsoring Employer determines.
  • All participants’ contributions and earnings thereon are fully vested.
  • Vesting in the Sponsoring Employer’s matching and discretionary contributions portion of their accounts plus actual earnings thereon is determined by years of vesting service.
  • Participants become 50% vested after two years of vesting service and are fully vested in their accounts after three years of service, as defined by the Plan.

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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