TOKAI CARBON CB LTD. 401(K) PLAN Contribution & Employer Match

How TOKAI CARBON CB LTD. Supports Your Retirement Savings

TOKAI CARBON CB LTD. provides retirement savings benefits through TOKAI CARBON CB LTD. 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.

TOKAI CARBON CB LTD. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for TOKAI CARBON CB LTD. 401(K) PLAN is $139,961.00

TOKAI CARBON CB LTD. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for TOKAI CARBON CB LTD. 401(K) PLAN is $7,002.00. 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.
448,171.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,002.00 in TOKAI CARBON CB LTD. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in TOKAI CARBON CB LTD. 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.

TOKAI CARBON CB LTD. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, TOKAI CARBON CB LTD. 401(K) PLAN allocates $6,761,110.00 to match its employees’ contributions, providing an employer match rate of 215.27% of their contributions

TOKAI CARBON CB LTD. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in TOKAI CARBON CB LTD. 401(K) PLAN is approximately $14,263.00
Investing in this additonal $14,263.00 for 20 years would give you extra $912,892.00, 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.

TOKAI CARBON CB LTD. 401(K) PLAN Contribution & Match Policy

TOKAI CARBON CB LTD. 401(K) PLAN Plan Policies

TOKAI CARBON CB LTD. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible participants can contribute on a pre-tax or after-tax Roth basis.
  • If no election is made, eligible employees are automatically enrolled in the Plan using a deferral rate of 4% of eligible compensation.
  • All new, eligible employees are notified in advance of automatic enrollment and provided the opportunity to elect out of this feature or to elect an alternate deferral rate.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Company makes an employer safe-harbor matching contribution each payroll based on the participant’s elected contribution up to 4% of eligible compensation.
  • At Plan year end, the Company also makes a profit-sharing contribution based on active eligible employees who have worked at least 500 hours during the plan year.
  • The profit-sharing match is calculated at 10% of eligible wages for those participants defined above.
  • Each participant’s account is automatically fully vested in the participant’s contributions and the Company’s safe harbor matching contributions and allocations of investment earnings or losses. Effective January 1, 2024, the Plan was amended for employer profit sharing contributions to be subject to the following
  • Less than 1 years: 0%
  • 1-2 years: 20%
  • 2-3 years: 40%
  • 3-4 years: 60%
  • 4-5 years: 80%

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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