ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Contribution & Employer Match
How ORION ENGINEERED CARBONS Supports Your Retirement Savings
ORION ENGINEERED CARBONS provides retirement savings benefits through ORION ENGINEERED CARBONS 401(K) 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.
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Average Participant Retirement Account Value
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
674,892.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,545.00 in ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ORION ENGINEERED CARBONS 401(K) 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.
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $5,145.00 for 20 years would give you extra $329,323.00, 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.
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Contribution & Match Policy
ORION ENGINEERED CARBONS 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may elect to defer a percentage of their eligible compensation into the Plan not to exceed an annual limit set by law.
- Participants may increase, decrease, suspend, or resume their contributions at any time.
- Participants who are projected to be age 50 or older by the end of the calendar year may defer additional amounts as catch-up contributions.
- The Plan also contains an automatic enrollment feature.
- The Plan’s automatic enrollment contribution feature will begin for newly eligible participants 30 days after a participant’s date of hire.
- A participant is treated as electing to defer 6% of eligible compensation unless the participant made an affirmative election otherwise.
- The automatic deferral feature also provides for an increase of 1% each year until it reaches a maximum 10%.
- Participants may stop or change this automatic contribution at any time.
- The Company has elected to make safe harbor matching contributions to the Plan in an amount equal to 100% of the first 2% of a participant’s eligible compensation plus 75% of the next 4% of participant’s eligible compensation that has been contributed to the Plan as deferral contributions.
- A participant is immediately fully vested with respect to the portion of their account attributable to their contributions, rollovers, and any plan earnings thereon.
- Employer matching contributions are subject to a two-year vesting schedule with participants becoming fully vested after completing two years of service.
- Employer discretionary nonelective contributions are subject to a five-year graded vesting schedule with participants becoming fully vested after completing five years of service.
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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