WALTERS CORPORATION 401(K) PLAN Contribution & Employer Match

How BRUCE WALTERS FORD SALES, INC. Supports Your Retirement Savings

BRUCE WALTERS FORD SALES, INC. provides retirement savings benefits through WALTERS CORPORATION 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.

WALTERS CORPORATION 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for WALTERS CORPORATION 401(K) PLAN is $44,132.00

WALTERS CORPORATION 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for WALTERS CORPORATION 401(K) PLAN is $2,031.00. 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.
130,004.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,031.00 in WALTERS CORPORATION 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in WALTERS CORPORATION 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.

WALTERS CORPORATION 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, WALTERS CORPORATION 401(K) PLAN allocates $158,225.00 to match its employees’ contributions, providing an employer match rate of 32.46% of their contributions

WALTERS CORPORATION 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in WALTERS CORPORATION 401(K) PLAN is approximately $757.00
Investing in this additonal $757.00 for 20 years would give you extra $48,451.00, 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.

WALTERS CORPORATION 401(K) PLAN Contribution & Match Policy

WALTERS CORPORATION 401(K) PLAN Plan Policies

WALTERS CORPORATION 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for employee salary deferrals within statutory limits, as defined in thePlan, each year as an elective deferral.
  • Participants who have attained age50 by the end of the Plan year are eligible to make catch-up contributions.
  • Effective August 1, 2025, the Plan was amended to allow for Roth contributions.
  • Effective August 1, 2025, the Plan was amended.
  • The age of eligibility was reduced to age 18.
  • This amendment also changed the entry period to the first day of the first month following completion of sixty consecutive days of service and includes an auto-enrollment provision at 4% of eligible compensation upon completion of eligibility requirements.
  • For the years 2024 and 2023, the Plan contributed 50% of the first 4% of elective deferrals that a participant contributed to the Plan and 50% of all catch-up contributions contributed to the Plan.
  • Vesting schedule: Fewer than 2: 0% 2: 20% 3: 40% 4: 60% 5: 80% 6 or more: 100% Participants are immediately vested in their voluntary contributions, rollovers, and corresponding earnings.
  • Participants become fully vested in Company non-elective and matching contributions due to death or total and 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:

 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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