QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match
How QUENCH USA, INC Supports Your Retirement Savings
QUENCH USA, INC provides retirement savings benefits through QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST. 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.
QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount
344,812.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,387.00 in QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST
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.
QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate
QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $1,474.00 for 20 years would give you extra $94,370.00, 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.
QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy
QUENCH USA, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies
- Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) contributions to the Plan.
- The Plan has an Eligible Automatic Contribution Arrangement (EACA) provision.
- Under the EACA, newly eligible employees are automatically enrolled at a deferral rate of 4%.
- Unless elected otherwise, participant elective deferral percentages increase by 1% annually (up to a maximum of 6%) on the anniversary of the later of (1) the date the participant was automatically enrolled, or (2) the participant’s Plan entry date.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- For the year ended December 31, 2024, the Company matching contribution was 50% of the first 6% of eligible compensation.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company matching and profit-sharing contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service.
- A participant is 100% vested after five years of credited service.
- Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.
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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