THE WEATHER SHIELD RETIREMENT PLAN Contribution & Employer Match
How WEATHER SHIELD MFG., INC. Supports Your Retirement Savings
WEATHER SHIELD MFG., INC. provides retirement savings benefits through THE WEATHER SHIELD 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.
THE WEATHER SHIELD RETIREMENT PLAN Average Participant Retirement Account Value
THE WEATHER SHIELD RETIREMENT PLAN Estimated Average Employee Contribution Amount
194,963.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,046.00 in THE WEATHER SHIELD RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE WEATHER SHIELD 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.
THE WEATHER SHIELD RETIREMENT PLAN Total Employer Contribution and Match Rate
THE WEATHER SHIELD RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $478.00 for 20 years would give you extra $30,616.00, 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 WEATHER SHIELD RETIREMENT PLAN Contribution & Match Policy
THE WEATHER SHIELD RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute a portion of their compensation to the Plan, not to exceed the amount allowed by the Internal Revenue Service (IRS).
- The Plan currently has automatic enrollment for newly hired or rehired employees who are not participating in the Plan, except for employees who have affirmatively elected in writing not to participate.
- The automatic enrollment feature provides that, unless elected otherwise by the employee, a salary deferral of 8% will be contributed to the Plan as a designated Roth contribution.
- Employees contributing via the automatic enrollment feature will have their deferral percentage increased annually by 1% until they reach a deferral percentage of 15%.
- The Company may make a discretionary matching contribution.
- The Company made discretionary matching contributions of $603,246 and $668,659 to the Plan for the years 2024 and 2023, respectively.
- Participants are immediately vested in their voluntary contributions and rollover contributions plus actual earnings thereon.
- Vesting in the remainder of their accounts is based on years of continuous service.
- A participant is 100% vested after 6 years of credited service.
- Participants who are employed on or after their normal retirement age (65), or are terminated due to death or disability, are automatically 100% vested in all employer contributions.
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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