THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Contribution & Employer Match
How CONCRETE SYSTEMS, INC. Supports Your Retirement Savings
CONCRETE SYSTEMS, INC. provides retirement savings benefits through THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST. 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.
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Average Participant Retirement Account Value
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Estimated Average Employee Contribution Amount
204,240.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,191.00 in THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST
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.
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Total Employer Contribution and Match Rate
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Estimated Average Employer Match
Investing in this additonal $1,649.00 for 20 years would give you extra $105,590.00, 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.
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Contribution & Match Policy
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to the maximum allowed by law.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants are entitled to receive safe harbor matching contributions equal to 100% of the first 3% of each participant’s deferred compensation and 50% of the next 2% of each participants deferred compensation.
- Participants are vested immediately in their employee contributions and the Plan Sponsors’ safe harbor matching contributions plus actual earnings thereon.
- Vesting in the Plan Sponsors’ discretionary contributions and actual earnings thereon is based on years of credited service.
- A participant is 100% vested after six years of credited service.
THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST Maximum Employer Match Calculator
This calculator helps participants of THE CONCRETE SYSTEMS, INC. RETIREMENT TRUST to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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