SWEET REWARDS RETIREMENT PLAN Contribution & Employer Match

How GODIVA CHOCOLATIER, INC. Supports Your Retirement Savings

GODIVA CHOCOLATIER, INC. provides retirement savings benefits through SWEET REWARDS RETIREMENT 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.

SWEET REWARDS RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SWEET REWARDS RETIREMENT PLAN is $76,620.00

SWEET REWARDS RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SWEET REWARDS RETIREMENT PLAN is $2,071.00. 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.
132,572.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,071.00 in SWEET REWARDS RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SWEET REWARDS RETIREMENT 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.

SWEET REWARDS RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, SWEET REWARDS RETIREMENT PLAN allocates $1,737,885.00 to match its employees’ contributions, providing an employer match rate of 50.04% of their contributions

SWEET REWARDS RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SWEET REWARDS RETIREMENT PLAN is approximately $1,607.00
Investing in this additonal $1,607.00 for 20 years would give you extra $102,890.00, 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.

SWEET REWARDS RETIREMENT PLAN Contribution & Match Policy

SWEET REWARDS RETIREMENT PLAN Plan Policies

SWEET REWARDS RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 75% of pre-tax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • The Company makes a match of 100% of the first 5% of eligible compensation that a participant contributes to the Plan, and match 50% after 5% up to 8% of eligible compensation that a participant contributes to the Plan, as defined in the plan document.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
  • Participants’ years of service prior to January 1, 2016, and accounts of employees of Star Brands North America, Inc., and DeMet’s Candy Company, LLC, who were hired prior to January 1, 2018, are 100% vested after five years of credited service, with 20% vesting after each year of credited service.
  • Vesting of Company contributions for years of service for employees hired on or after January 1, 2016, will be 20% after one year, 40% after two years, 60% after three years, 80% after four years and 100% after five years.
  • A participant becomes immediately 100% vested in all contributions upon death or disability, regardless of years 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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