WINDSOR AMERICA 401(K) PLAN Contribution & Employer Match

How WINDSOR AMERICA LLC Supports Your Retirement Savings

WINDSOR AMERICA LLC provides retirement savings benefits through WINDSOR AMERICA 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.

* Data are from public filings.

Employer Match in WINDSOR AMERICA 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.

WINDSOR AMERICA 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, WINDSOR AMERICA 401(K) PLAN allocates $413,360.00 to match its employees’ contributions, providing an employer match rate of 52.70% of their contributions

* 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.

WINDSOR AMERICA 401(K) PLAN Contribution & Match Policy

WINDSOR AMERICA 401(K) PLAN Plan Policies

WINDSOR AMERICA 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute between 1% and 90% of either their pre-tax and/or post-tax annual compensation, as defined in the Plan, up to the annual Internal Revenue Service ("IRS") dollar limit.
  • If a participant reaches age 50 during the calendar year and is making the maximum Plan or IRS pre-tax contribution, they may make an additional "catch-up" contribution each pay period, up to the annual IRS dollar limit.
  • Effective January 1, 2025, the Plan was amended to add an automatic enrollment feature where participants are automatically enrolled in the Plan ninety days after their date of hire, unless they elect otherwise, at an enrollment rate of 3%.
  • An auto-escalate feature was also added to the Plan where an active participant’s deferral contributions will increase by 1% annually (limited to 10% of eligible compensation), unless affirmatively elected otherwise.
  • The Plan provides a safe harbor contribution equal to 100% of the first 3% and 50% of the next 2% of active participants’ compensation contributed to the Plan.
  • Participants are vested immediately in their contributions and the Company’s safe harbor contributions plus actual earnings thereon.
  • Vesting in the Company’s discretionary matching contributions and discretionary nonelective contributions will vest based on the following schedule: 34% after 1 year, 67% after 2 years, and 100% after 3 years.

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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