WINTEC ARROWMAKER, INC. 401(K) PLAN Contribution & Employer Match
How WINTEC ARROWMAKER, INC. Supports Your Retirement Savings
WINTEC ARROWMAKER, INC. provides retirement savings benefits through WINTEC ARROWMAKER, 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.
WINTEC ARROWMAKER, INC. 401(K) PLAN Average Participant Retirement Account Value
WINTEC ARROWMAKER, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
309,163.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,830.00 in WINTEC ARROWMAKER, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WINTEC ARROWMAKER, 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.
WINTEC ARROWMAKER, INC. 401(K) PLAN Total Employer Contribution and Match Rate
WINTEC ARROWMAKER, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $949.00 for 20 years would give you extra $60,792.00, 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.
WINTEC ARROWMAKER, INC. 401(K) PLAN Contribution & Match Policy
WINTEC ARROWMAKER, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 90% of pre-tax annual compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- Automatically enrolled participants have their deferral rate increased at a rate of 1% per year as soon as administratively feasible on or after the first day of each succeeding plan year after the plan year that the participant’s automatic deferrals are implemented up to a maximum of 10% of eligible compensation, unless otherwise elected by the participant.
- The Company makes safe harbor matching contributions equal to 100% of participant deferrals up to 3% of eligible compensation, plus 50% of participant deferrals between 3% and 5% of eligible compensation.
- Vesting schedule for discretionary non-elective contribution:
- Less than 3 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:
| 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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