WALBEC GROUP RETIREMENT PLAN Contribution & Employer Match
How CONSTRUCTION RESOURCES MANAGEMENT, INC. Supports Your Retirement Savings
CONSTRUCTION RESOURCES MANAGEMENT, INC. provides retirement savings benefits through WALBEC GROUP 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.
WALBEC GROUP RETIREMENT PLAN Average Participant Retirement Account Value
WALBEC GROUP RETIREMENT PLAN Estimated Average Employee Contribution Amount
344,064.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,376.00 in WALBEC GROUP RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WALBEC GROUP 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.
WALBEC GROUP RETIREMENT PLAN Total Employer Contribution and Match Rate
WALBEC GROUP RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $7,700.00 for 20 years would give you extra $492,835.00, 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.
WALBEC GROUP RETIREMENT PLAN Contribution & Match Policy
WALBEC GROUP RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Eligible participants are permitted to elect to have up to 100% of their compensation contributed as pre-tax 401(k) or Roth contributions to the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participant have their deferral rate set at 3% of eligible compensation.
- The Company makes a safe harbor matching contribution of 3% of participant compensation to the Plan.
- Additionally, the Company has the ability to make a discretionary profit-sharing contribution.
- The profit-sharing contribution was 8% of compensation for the years ended December 31, 2024 and 2023.
- Participants are fully vested upon entry into the Plan in regard to employee contributions and Company match contributions.
- A participant is 100% vested after six years of credited service in regard to profit-sharing contributions.
- Notwithstanding the above a participant is fully vested upon reaching normal retirement age, death, or permanent disability.
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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