WILLIS CADILLAC, INC. RETIREMENT PLAN Contribution & Employer Match
How WILLIS CADILLAC, INC. Supports Your Retirement Savings
WILLIS CADILLAC, INC. provides retirement savings benefits through WILLIS CADILLAC, INC. 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.
WILLIS CADILLAC, INC. RETIREMENT PLAN Average Participant Retirement Account Value
WILLIS CADILLAC, INC. RETIREMENT PLAN Estimated Average Employee Contribution Amount
372,080.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,813.00 in WILLIS CADILLAC, INC. RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WILLIS CADILLAC, INC. 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.
WILLIS CADILLAC, INC. RETIREMENT PLAN Total Employer Contribution and Match Rate
WILLIS CADILLAC, INC. RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,631.00 for 20 years would give you extra $104,384.00, 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.
WILLIS CADILLAC, INC. RETIREMENT PLAN Contribution & Match Policy
WILLIS CADILLAC, INC. RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Employees are automatically enrolled at a 6% deferral rate, unless employees elect a different percentage or choose not to defer.
- If employees do not choose a different percentage, the percentage will increase each January 1 by 1% up to a maximum of 10%.
- The Company contributes 50% of the first 6% of annual base compensation that a participant contributes to the Plan.
- To be eligible for the employer discretionary profit-sharing contribution, participants must be employed on the last day of plan year and complete at least 1,000 hours of service during the plan year.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s matching and discretionary profit-sharing contributions plus earnings thereon is based on continuous years of service.
- These contributions become 10% vested after one year of credited service, as defined, and 20% vested after two years of credited service, as defined, and continue to vest at the rate of 20% for each successive year of service until 100% vested after six years 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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