KOETTER WOODWORKING, INC. 401(K) PLAN Contribution & Employer Match

How KOETTER WOODWORKING, INC. Supports Your Retirement Savings

KOETTER WOODWORKING, INC. provides retirement savings benefits through KOETTER WOODWORKING, INC. 401(K) 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.

KOETTER WOODWORKING, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KOETTER WOODWORKING, INC. 401(K) PLAN is $94,199.00

KOETTER WOODWORKING, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KOETTER WOODWORKING, INC. 401(K) PLAN is $4,644.00. 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.
297,252.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,644.00 in KOETTER WOODWORKING, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KOETTER WOODWORKING, INC. 401(K) 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.

KOETTER WOODWORKING, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, KOETTER WOODWORKING, INC. 401(K) PLAN allocates $653,817.00 to match its employees’ contributions, providing an employer match rate of 50.01% of their contributions

KOETTER WOODWORKING, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in KOETTER WOODWORKING, INC. 401(K) PLAN is approximately $2,164.00
Investing in this additonal $2,164.00 for 20 years would give you extra $138,557.00, 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.

KOETTER WOODWORKING, INC. 401(K) PLAN Contribution & Match Policy

KOETTER WOODWORKING, INC. 401(K) PLAN Plan Policies

KOETTER WOODWORKING, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may make pre-tax and after-tax Roth elective salary deferrals up to 50% of total compensation, as defined in the plan document, subject to limitations imposed by Internal Revenue Code ("IRC") regulations.
  • Eligible participants are also permitted to make catch-up contributions in accordance with IRC regulations and rollover contributions representing distributions from other qualified retirement plans.
  • The Plan operates as a safe harbor plan that requires non-elective salary deferral matching Company contributions, limited to 100% of employee salary deferrals up to the first 3% of eligible plan compensation plus 50% of employee salary deferrals up to the next 2% of eligible plan compensation.
  • Company contributions may also include discretionary salary deferral matching or profit-sharing contributions, but no discretionary salary deferral matching or profit sharing contributions were made in 2024 or 2023.
  • Participants are immediately 100% vested in their contributions and employer contributions and actual earnings thereon.

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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