RW SPECIALTIES EMPLOYEE SAVINGS PLAN Contribution & Employer Match

How RWS OPERATING CO, LLC Supports Your Retirement Savings

RWS OPERATING CO, LLC provides retirement savings benefits through RW SPECIALTIES EMPLOYEE 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.

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RW SPECIALTIES EMPLOYEE SAVINGS PLAN is $45,214.00

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RW SPECIALTIES EMPLOYEE SAVINGS PLAN is $3,853.00. 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.
246,638.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,853.00 in RW SPECIALTIES EMPLOYEE SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RW SPECIALTIES EMPLOYEE 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.

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, RW SPECIALTIES EMPLOYEE SAVINGS PLAN allocates $225,597.00 to match its employees’ contributions, providing an employer match rate of 70.11% of their contributions

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RW SPECIALTIES EMPLOYEE SAVINGS PLAN is approximately $1,350.00
Investing in this additonal $1,350.00 for 20 years would give you extra $86,456.00, 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.

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Contribution & Match Policy

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Plan Policies

RW SPECIALTIES EMPLOYEE SAVINGS PLAN Contribution, Match and Other Plan Policies

  • The Plan includes a provision under Internal Revenue Code (IRC) Section 401(k) whereby participants may deposit pretax and Roth contributions totaling a maximum of 100% of compensation, as defined, subject to the statutory limit set by the Internal Revenue Code (IRC).
  • Participants who have attained at least age 50 are eligible to defer additional amounts (catch-up contributions).
  • The Plan includes an auto-enrollment provision, whereby all employees hired after January 1, 2021, will be automatically enrolled in the Plan at a deferral rate set at 3% of eligible compensation, with no escalation provision.
  • The Plan Sponsor will make matching and nonelective contributions using participants’ elective deferrals up to 6% of compensation for a maximum match of 4% of compensation.
  • The Plan Sponsor will also make safe harbor matching contributions equal to 3% of compensation plus 50% of the amount of the participant’s elective deferrals that exceed 3% but do not exceed 5% of the Participant’s compensation, as defined.
  • Participants are immediately 100% vested in their pretax and Roth contributions, rollover balances, safe harbor contributions and investment performance thereon. Participant vesting in the Plan Sponsor’s discretionary matching and nonelective contributions, and income earned thereon is based on years of continuous service. All participants become 100% vested after six years of service. The vesting percentages are as follows: Years of Service
  • Less than 2 years: 0%

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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