OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Contribution & Employer Match

How OLDCASTLE BUILDING ENVELOPE, INC. Supports Your Retirement Savings

OLDCASTLE BUILDING ENVELOPE, INC. provides retirement savings benefits through OLDCASTLE BUILDING ENVELOPE 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.

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for OLDCASTLE BUILDING ENVELOPE 401(K) PLAN is $46,825.00

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for OLDCASTLE BUILDING ENVELOPE 401(K) PLAN is $6,576.00. 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.
420,881.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,576.00 in OLDCASTLE BUILDING ENVELOPE 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in OLDCASTLE BUILDING ENVELOPE 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.

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, OLDCASTLE BUILDING ENVELOPE 401(K) PLAN allocates $16,120,803.00 to match its employees’ contributions, providing an employer match rate of 69.04% of their contributions

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in OLDCASTLE BUILDING ENVELOPE 401(K) PLAN is approximately $2,270.00
Investing in this additonal $2,270.00 for 20 years would give you extra $145,293.00, 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.

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Contribution & Match Policy

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Plan Policies

OLDCASTLE BUILDING ENVELOPE 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 75 percent of their pre-tax annual compensation, as defined in the Plan document, subject to certain Internal Revenue Code ("IRC") limitations.
  • Contributions may also be designated as Roth 401(k) contributions.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled into the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 5 percent of eligible compensation and their contributions invested in a designated age appropriate Freedom Fund until changed by the participant.
  • The Plan provides for safe harbor matching employer contributions of 100% of the first 5% of an active participant’s eligible compensation contributed to the Plan.
  • Participants are vested immediately in their contributions, including their elective pre-tax deferral contributions, Roth 401(k) deferrals, safe harbor matching employer contributions, and rollover contributions, plus actual earnings thereon. Vesting in the employer discretionary nonelective contributions portion of their accounts is based on years of continuous service, using the elapsed time calculation method, as follows: Years of Service Percent
  • Less than 1 years: 0%
  • 5+ years: 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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