TCLAD INC. 401(K) PLAN Contribution & Employer Match
How TCLAD INC. Supports Your Retirement Savings
TCLAD INC. provides retirement savings benefits through TCLAD INC. 401(K) 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.
TCLAD INC. 401(K) PLAN Average Participant Retirement Account Value
TCLAD INC. 401(K) PLAN Estimated Average Employee Contribution Amount
317,560.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,961.00 in TCLAD INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TCLAD INC. 401(K) 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.
TCLAD INC. 401(K) PLAN Total Employer Contribution and Match Rate
TCLAD INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,761.00 for 20 years would give you extra $112,720.00, 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.
TCLAD INC. 401(K) PLAN Contribution & Match Policy
TCLAD INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute, up to the maximum limits of the Internal Revenue Code (IRC) of their pretax annual compensation (salary reduction contributions), as defined in the Plan Document.
- Participants 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 Company provides a safe harbor match contribution of 100% of the first 4% and 50% of the next 4% up to a maximum of 8% of base compensation that a participant contributes to the Plan.
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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