BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Contribution & Employer Match

How BROWN-WILBERT, INC. Supports Your Retirement Savings

BROWN-WILBERT, INC. provides retirement savings benefits through BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST. 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.

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST is $29,931.00

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST is $2,362.00. 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.
151,216.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,362.00 in BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST

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.

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST allocates $7,447.00 to match its employees’ contributions, providing an employer match rate of 2.08% of their contributions

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST is approximately $47.00
Investing in this additonal $47.00 for 20 years would give you extra $3,016.00, 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.

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Contribution & Match Policy

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Plan Policies

BROWN-WILBERT, INC. PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may make contributions of the pretax annual compensation, as defined in the Plan.
  • There are no Plan imposed limits on the amount that participants may defer.
  • However, contributions are subject to certain Internal Revenue Code (IRC) limitations.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan allows participants to designate contributions as Roth 401(k) contributions.
  • For the years ended December 31, 2024 and 2023, the Company made a discretionary match contribution which contributed 100% of the first 3% of base contribution that a participant contributed to the Plan for specified employees.
  • Participants are immediately vested 100 percent in their salary reduction (pre-tax and Roth), catch-up, and rollover contributions.
  • Vesting for Company match contributions is based on years of continuous service.
  • A year of service is defined as a Plan year in which the employee works at least 1,000 hours.
  • A participant is 100 percent vested after six years of credited 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:

 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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