W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

How W. E. AUBUCHON CO., INC. Supports Your Retirement Savings

W. E. AUBUCHON CO., INC. provides retirement savings benefits through W. E. AUBUCHON CO., INC. 401(K) 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.

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN is $29,772.00

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN is $1,864.00. 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.
119,296.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,864.00 in W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in W. E. AUBUCHON CO., INC. 401(K) 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.

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN allocates $1,306,353.00 to match its employees’ contributions, providing an employer match rate of 38.43% of their contributions

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN is approximately $669.00
Investing in this additonal $669.00 for 20 years would give you extra $42,853.00, 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.

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Plan Policies

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Upon hire participants may contribute up to 90% of their plan compensation on a pre-tax or after-tax (Roth) basis, subject to Internal Revenue Code (IRC) limitations.
  • All newly hired eligible employees are automatically enrolled in the Plan at a contribution rate of 3%, within 30 days of their date of hire, unless they make a different election.
  • Those participants who are automatically enrolled will have their deferral rate increased by 1% in January of each year not to exceed 10%, unless the participant opts out.
  • Participants who are at least age 50 may make an additional catch-up contribution subject to IRC limitations.
  • The Company provides a safe harbor matching contribution of 100% of deferrals up to the first 1% of deferrals and 50% of deferrals on the next 5% of compensation, for a maximum safe harbor matching contribution of 3.5%.
  • Vesting schedule for discretionary non-elective contributions: 1 year of service: 20% 2 years: 40% 3 years: 60% 4 years: 80% 5 years: 100% Participants hired prior to April 1, 2013 are immediately 100% vested in all employer matching contributions and earnings.
  • Both the safe harbor matching contributions and additional discretionary matching contributions are subject to a cliff vesting schedule, where participants are 0% vested for the first two years and 100% vested following the two-year anniversary from their date of hire.
  • Participants become 100% vested in the Company’s contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.

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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