WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Contribution & Employer Match
How WESTERN ECOSYSTEMS TECHNOLOGY, INC. Supports Your Retirement Savings
WESTERN ECOSYSTEMS TECHNOLOGY, INC. provides retirement savings benefits through WESTERN ECOSYSTEMS TECHNOLOGY, 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.
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Average Participant Retirement Account Value
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
346,999.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,421.00 in WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WESTERN ECOSYSTEMS TECHNOLOGY, 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.
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Total Employer Contribution and Match Rate
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $8,933.00 for 20 years would give you extra $571,755.00, 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.
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Contribution & Match Policy
WESTERN ECOSYSTEMS TECHNOLOGY, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- The Plan provides for employee salary pretax and Roth deferral contributions up to a maximum of 100 percent of annual compensation subject to maximum limitations established by the Internal Revenue Code.
- Eligible employees who have reached age 50 during the plan year may elect to make catch-up contributions, as limited by the Internal Revenue Service (IRS).
- Employees are automatically enrolled in the Plan with a deferral election of 3 percent of compensation upon meeting the plan eligibility requirements unless the eligible participant makes a contract election.
- The automatic deferral feature also provides for an annual increase in the percentage deferred.
- For each participant who has an election in effect as of the last day of the plan year to make contributions of at least 1 percent but less than 10 percent of compensation, such participant’s compensation shall have the deferral percentage increased by 1 percent of compensation on the first day of the next plan year.
- The Plan allows for employer discretionary contributions, up to a maximum of 12.5 percent.
- In order to be eligible for the employer discretionary contribution, participants must be employed at the end of the year.
- Participants are not required to make employee contributions in order to receive the employer discretionary contribution.
- During 2024, the Company remitted total discretionary contributions of $4,681,250.
- Participants’ contributions, participant deferrals, rollover contributions, and related earnings are fully vested at all times and are not subject to forfeiture for any reason.
- Participants are 100 percent vested in employer discretionary contributions upon completion of one year of service.
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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