SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Contribution & Employer Match
How SUNTORY GLOBAL SPIRITS, INC. Supports Your Retirement Savings
SUNTORY GLOBAL SPIRITS, INC. provides retirement savings benefits through SUNTORY GLOBAL SPIRITS RETIREMENT 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.
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
856,925.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,389.00 in SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SUNTORY GLOBAL SPIRITS RETIREMENT 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.
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $6,353.00 for 20 years would give you extra $406,632.00, 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.
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Contribution & Match Policy
SUNTORY GLOBAL SPIRITS RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Contributions are held by the Trustee and accumulated in individual participant accounts.
- Pursuant to the terms of the Plan, participants may make tax deferred contributions under Section 401(k) of the Code, basic and catch-up Roth contributions, and after-tax contributions.
- The sum of tax deferred contributions and after-tax contributions may not exceed 50% of "eligible compensation" (as defined under the Plan), subject to lower limits for "highly compensated employees" (as defined under the Code) who participate in the Plan.
- Participants’ annual tax deferred contributions are limited by the Code to $23,000 and $22,500 in 2024 and 2023, respectively.
- In addition, during the year in which a participant attains age 50 and in subsequent years, the participant may elect additional, pretax "catch-up" contributions of up to $7,500 in 2024 and 2023.
- Eligible employees who have neither enrolled in the Plan nor affirmatively declined enrollment in the Plan become automatically enrolled in the Plan and are deemed to have elected to make tax deferred contributions equal to 5% of their eligible compensation.
- The Company provides a matching contribution of a participant’s elective contributions that is dollar for dollar on the first 3% of the participant’s eligible earnings contributed and 50 cents for every dollar contributed between 4% and 5% of the participant’s eligible earnings.
- Participants are immediately vested in their own contributions, plus earnings on those contributions. Participants are also immediately vested in the Company matching contributions, plus earnings on those contributions. Participants vest in the Company profit-sharing contribution plus related earnings based on the earliest to occur of the following: (1) retirement; (2) death; (3) permanent disability; (4) attainment of age 65; (5) termination of employment without fault, or (6) after five years of service as summarized below: Number of Percentage years of service
- Less than 1 years: 0%
- 1-2 years: 20%
- 2-3 years: 40%
- 3-4 years: 60%
- 4-5 years: 80%
- 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:
| 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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