SWAGELOK RETIREMENT SAVINGS PLAN Contribution & Employer Match

How SWAGELOK COMPANY Supports Your Retirement Savings

SWAGELOK COMPANY provides retirement savings benefits through SWAGELOK 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.

SWAGELOK RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SWAGELOK RETIREMENT SAVINGS PLAN is $414,864.00

SWAGELOK RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SWAGELOK RETIREMENT SAVINGS PLAN is $5,199.00. 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.
332,762.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,199.00 in SWAGELOK RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SWAGELOK 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.

SWAGELOK RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, SWAGELOK RETIREMENT SAVINGS PLAN allocates $23,814,739.00 to match its employees’ contributions, providing an employer match rate of 72.24% of their contributions

SWAGELOK RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SWAGELOK RETIREMENT SAVINGS PLAN is approximately $3,401.00
Investing in this additonal $3,401.00 for 20 years would give you extra $217,703.00, 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.

SWAGELOK RETIREMENT SAVINGS PLAN Contribution & Match Policy

SWAGELOK RETIREMENT SAVINGS PLAN Plan Policies

SWAGELOK RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Generally, participants may make pre-tax and Roth contributions of an amount not less than 1% and not more than 100% of their compensation, subject to certain Internal Revenue Service (IRS) limitations.
  • Effective April 15, 2022, the Plan has an automatic contribution arrangement in which employees are automatically enrolled when they become eligible.
  • Unless otherwise directed by the participant, 6% of compensation is withheld and invested in the Plan in a qualified default investment alternative.
  • Effective January 1, 2023, participants with plan contribution rates between 0% and 9% of compensation as of April 2023 will automatically have their contribution rate increase by 1%.
  • Automatic escalation will continue as of the start of each subsequent plan year until the contribution rate equals 10%.
  • Participants have a 100% and non-forfeitable vested interest in their employee deferral account balance and any Company qualified non-elective contributions, ESOP contributions and the value of their account merged from the Company’s former profit sharing plan, plus the earnings thereon.
  • Participants become vested in the Company match and other discretionary contributions to the 401(k) component of the Plan after three years of service.
  • Participants become fully vested in all balances in the event of death, disability or upon reaching normal retirement age.

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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