BWC 401(K) SAVINGS PLAN Contribution & Employer Match

How BWC TERMINAL HOLDINGS LLC Supports Your Retirement Savings

BWC TERMINAL HOLDINGS LLC provides retirement savings benefits through BWC 401(K) SAVINGS 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.

BWC 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BWC 401(K) SAVINGS PLAN is $91,606.00

BWC 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BWC 401(K) SAVINGS PLAN is $7,991.00. 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.
511,448.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,991.00 in BWC 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BWC 401(K) SAVINGS 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.

BWC 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, BWC 401(K) SAVINGS PLAN allocates $3,805,369.00 to match its employees’ contributions, providing an employer match rate of 106.65% of their contributions

BWC 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BWC 401(K) SAVINGS PLAN is approximately $6,944.00
Investing in this additonal $6,944.00 for 20 years would give you extra $444,422.00, 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.

BWC 401(K) SAVINGS PLAN Contribution & Match Policy

BWC 401(K) SAVINGS PLAN Plan Policies

BWC 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participating employees may contribute, through salary deferrals, a maximum of 50% of their annual compensation to their 401(k) accounts.
  • Participants who have attained age 50 before the end of Plan year and have contributed the maximum amount permitted as a basic deferral for such year are eligible to make catch-up contributions.
  • The Company matches 100% of the first 6% of eligible deferrals.
  • Participants are immediately 100% vested in the contributions they make to the Plan including salary deferrals and rollover contributions, plus actual earnings thereon.
  • Participants are 100% vested in the Company’s matching and PRC portions of their accounts plus actual earnings thereon after two and three years of service, respectively.
  • Additionally, eligible employees who have reached the normal retirement age of 60 become 100% vested.

BWC 401(K) SAVINGS PLAN Maximum Employer Match Calculator

This calculator helps participants of BWC 401(K) SAVINGS PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.

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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