LEADWISE 401(K) PLAN Contribution & Employer Match

How CESO, INC. Supports Your Retirement Savings

CESO, INC. provides retirement savings benefits through LEADWISE 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.

LEADWISE 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for LEADWISE 401(K) PLAN is $77,128.00

LEADWISE 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for LEADWISE 401(K) PLAN is $8,637.00. 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.
552,829.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,637.00 in LEADWISE 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LEADWISE 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.

LEADWISE 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, LEADWISE 401(K) PLAN allocates $1,669,615.00 to match its employees’ contributions, providing an employer match rate of 41.52% of their contributions

LEADWISE 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in LEADWISE 401(K) PLAN is approximately $2,965.00
Investing in this additonal $2,965.00 for 20 years would give you extra $189,796.00, 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.

LEADWISE 401(K) PLAN Contribution & Match Policy

LEADWISE 401(K) PLAN Plan Policies

LEADWISE 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for employee salary deferrals within statutory limits, as defined in the Plan, each year as an elective deferral.
  • Participants who have attained age 50 by the end of the Plan year are eligible to make catch-up contributions.
  • The Plan allows Roth 401(k) contributions.
  • The Plan contains an automatic enrollment provision.
  • Under this provision, unless notified otherwise, upon meeting the requirements for eligibility, all eligible employees are enrolled into the Plan at a deferral rate of 5%.
  • The Plan also includes a provision that those participants with a deferral rate greater than zero will have their deferral increased annually by 1% as a pre-tax deferral contribution until a deferral rate of 15% is reached.
  • The Plan is also a safe harbor 401(k) plan which the Company matches 100% of elective deferrals up to 3% of compensation and 50% of elective deferrals on the next 2% of compensation.
  • Participants are immediately vested in their voluntary contributions, rollovers, and corresponding earnings.
  • Beginning January 1, 2015, participants are immediately vested in employer matching contributions under the safe harbor rules.
  • Participants are immediately vested in employer prevailing wage contributions.
  • For matching contributions made prior to January 1, 2015, and for additional matching and non-elective discretionary contributions, the following schedule will be used to determine vesting in these contributions and corresponding earnings: Completed Years of Service: Vesting Percentages Fewer than 3: 0% 3 or more: 100% For those employees who began participating prior to October 1, 2016, discretionary profit sharing contributions follow a three-year vesting schedule (Year 1 – 0%, Year 2 – 20%, Year 3 – 100%).
  • For participants that were terminated prior to October 1, 2016, discretionary profit sharing contributions follow a five-year vesting schedule (Year 1 – 0%, Year 2 – 20%, Year 3 – 40%, Year 4 – 60%, Year 5 – 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:

 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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