IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS Contribution & Employer Match
How BOT – OREGON SHEET METAL WORKERS MASTER RETIREMENT TRUST Supports Your Retirement Savings
BOT – OREGON SHEET METAL WORKERS MASTER RETIREMENT TRUST provides retirement savings benefits through IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS. 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.
IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS Average Participant Retirement Account Value
IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS Estimated Average Employee Contribution Amount
119,260.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,863.00 in IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS
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.
* 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.
IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS Contribution & Match Policy
IND ACCT PLAN FOR THE OREGON SHEET METAL WORKERS Contribution, Match and Other Plan Policies
- The Plan includes a salary deferral arrangement allowed under Section 401(k) of the Internal Revenue Code (IRC).
- Eligible participants are permitted to elect to have a portion, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) contributions to the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Employer contributions shall be funded to the Plan as required by collective bargaining agreements.
- There were no employer contributions required to be contributed for the years ended December 31, 2024 and 2023.
- Participants are immediately vested in their contribution sources plus actual earnings thereon.
- Employer contributions made prior to January 1, 2009 are fully vested upon completion of five full vesting credits as defined in the Plan.
- With respect to employer contributions made on or after January 1, 2009, a participant is fully vested on the earlier of the completion of three full vesting credits, attaining normal retirement age, total and permanent disability, or death.
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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