PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Contribution & Employer Match

How BOARD OF TRUSTEES PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Supports Your Retirement Savings

BOARD OF TRUSTEES PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL provides retirement savings benefits through PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL. 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.

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL is $152,514.00

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL is $3,139.00. 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.
200,911.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,139.00 in PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL

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.

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Total Employer Contribution and Match Rate

In 2024, PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL allocates $656,187.00 to match its employees’ contributions, providing an employer match rate of 143.17% of their contributions

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL is approximately $4,233.00
Investing in this additonal $4,233.00 for 20 years would give you extra $270,941.00, 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.

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Contribution & Match Policy

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Plan Policies

PLUMBERS LOCAL 360 PENSION PLAN SUPPLEMENTAL Contribution, Match and Other Plan Policies

  • Participants may make elective contributions to the Plan under the 401(k) feature of the Plan up to $12.00 for each paid hour of employment with an Employer, as defined in the Plan document, not to exceed certain dollar limits established by the Internal Revenue Code ("IRC").
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Each Employer contributes to the Plan such amounts and at such times as required by the applicable provision of the CBA or such other agreements which are approved by the Trustees.
  • Contributions are based on various hourly contribution rates for each participant’s hours of service.
  • Participants are immediately vested in their contributions under the 401(k) feature plus actual earnings thereon.
  • Vesting in the Employer contributions is based on years of continuous service.
  • A participant is 100% vested after three years of credited service.
  • Participants earn one year of service for each calendar year during which they are credited with at least 870 hours 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:

 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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