WB HOLDINGS, INC. 401(K) PLAN Contribution & Employer Match

How WB HOLDINGS, INC. Supports Your Retirement Savings

WB HOLDINGS, INC. provides retirement savings benefits through WB HOLDINGS, INC. 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.

WB HOLDINGS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for WB HOLDINGS, INC. 401(K) PLAN is $64,784.00

WB HOLDINGS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for WB HOLDINGS, INC. 401(K) PLAN is $4,411.00. 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.
282,313.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,411.00 in WB HOLDINGS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in WB HOLDINGS, INC. 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.

WB HOLDINGS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, WB HOLDINGS, INC. 401(K) PLAN allocates $359,441.00 to match its employees’ contributions, providing an employer match rate of 30.40% of their contributions

WB HOLDINGS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in WB HOLDINGS, INC. 401(K) PLAN is approximately $670.00
Investing in this additonal $670.00 for 20 years would give you extra $42,918.00, 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.

WB HOLDINGS, INC. 401(K) PLAN Contribution & Match Policy

WB HOLDINGS, INC. 401(K) PLAN Plan Policies

WB HOLDINGS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan has an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Effective January 1, 2024, automatically enrolled participants have their deferral rate set at 3% (2% for the period ending December 31, 2023) of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • Automatically enrolled participants will have their deferral rate increase by 1% on the first day of the plan year following the plan year during which the initial automatic enrollment became effective, unless the initial enrollment has been in effect for less than six months.
  • Then the first scheduled increase will occur on the first day of the second plan year following the plan year during which the initial automatic enrollment became effective.
  • Each subsequent deferral election increases will occur on the first day of each plan year until the deferral rate reaches 6%.
  • The Participating Employers agreed to make discretionary matching contributions of $359,441 to the Plan for the year ended December 31, 2024.
  • These matching contributions were equal to 50% of a participant’s contribution, up to 6% of eligible compensation.
  • Vesting schedule:
  • Less than 2 years: 0%

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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