MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Contribution & Employer Match
How PRECISION ENGINEERED PRODUCTS HOLDINGS INC. Supports Your Retirement Savings
PRECISION ENGINEERED PRODUCTS HOLDINGS INC. provides retirement savings benefits through MW LIFE SCIENCES RETIREMENT 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.
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
333,059.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,204.00 in MW LIFE SCIENCES RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MW LIFE SCIENCES RETIREMENT 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.
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,270.00 for 20 years would give you extra $145,301.00, 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.
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees may contribute up to seventy-five percent of their pretax or after-tax annual compensation.
2. Employer Match/Contribution Conditions: The employer matches 100% of employees’ salary deferrals, not to exceed 4% of eligible compensation, calculated each pay period, with an annual true-up at year-end if necessary.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their deferral and safe harbor matching contributions. For discretionary profit-sharing contributions, a participant is 50% vested after one year of service and 100% vested after two years of service. Eligibility requirements include being at least 18 years of age and having completed one month of service.
4. Roth 401(k) contributions are allowed.
MW LIFE SCIENCES RETIREMENT SAVINGS PLAN Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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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