BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Contribution & Employer Match

How BUILD-A-BEAR WORKSHOP, INC. Supports Your Retirement Savings

BUILD-A-BEAR WORKSHOP, INC. provides retirement savings benefits through BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS 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.

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST is $16,620.00

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST is $1,357.00. 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.
86,905.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,357.00 in BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS 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.

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Total Employer Contribution and Match Rate

In 2024, BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST allocates $1,184,101.00 to match its employees’ contributions, providing an employer match rate of 46.09% of their contributions

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST is approximately $447.00
Investing in this additonal $447.00 for 20 years would give you extra $28,618.00, 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.

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Contribution & Match Policy

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Plan Policies

BUILD-A-BEAR WORKSHOP, INC. EMPLOYEE SAVINGS TRUST Contribution, Match and Other Plan Policies

  • Plan participants may elect to enter into a written salary deferral agreement with the Company.
  • Participant deferral amounts may not exceed 75% of compensation or be less than 1% of compensation.
  • Certain employees meeting age criteria may also be eligible to make ‘catch-up’ contributions.
  • For eligible participants, the Company contributes a safe harbor match equal to 100% of the first 3% of the eligible participant’s compensation to the Plan and 50% of the next 2% of the eligible participant’s compensation contributed to the Plan.

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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