CABOT 401(K) PLAN Contribution & Employer Match

How CABOT CORPORATION Supports Your Retirement Savings

CABOT CORPORATION provides retirement savings benefits through CABOT 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.

CABOT 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CABOT 401(K) PLAN is $458,406.00

CABOT 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CABOT 401(K) PLAN is $7,348.00. 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.
470,281.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,348.00 in CABOT 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CABOT 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.

CABOT 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CABOT 401(K) PLAN allocates $14,108,041.00 to match its employees’ contributions, providing an employer match rate of 97.02% of their contributions

CABOT 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CABOT 401(K) PLAN is approximately $7,386.00
Investing in this additonal $7,386.00 for 20 years would give you extra $472,730.00, 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.

CABOT 401(K) PLAN Contribution & Match Policy

CABOT 401(K) PLAN Plan Policies

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

  • Participants may elect to contribute up to 50% of their U.S.
  • eligible compensation on a before-tax basis, an after-tax basis, a Roth after-tax basis or a combination thereof, subject to certain limitations under the Internal Revenue Code (the Code).
  • Participants age 50 and older may make catch-up contributions.
  • Participants are automatically enrolled in the Plan if they do not make an election to contribute within 60 days of their eligibility to participate.
  • Participants who are automatically enrolled are deemed to have made an election to make pre-tax contributions in an amount of 6% of their eligible compensation and to increase this contribution rate by 1% of employee eligible compensation each year in January, up to a maximum deferral rate of 15%.
  • The Company matching contribution is 100% up to the first 6% of eligible compensation and is made each pay period.
  • The Plan also provides an employer matching true up contribution at year-end to ensure all participants receive a total match in the amount of the lesser of (1) 100% of the participant’s contribution for the year; or (2) 6% of the participant’s eligible compensation for the year.
  • In addition to the match, a Company retirement contribution of 4% of eligible earnings is made each pay period.
  • Each Cabot participant is at all times 100% vested in his or her contributions.
  • All participants are at all times 100% vested in the Company match and earnings thereon, and are vested in the Company retirement contribution upon completion of 2 years of service.
  • In addition, a participant’s entire account balance becomes 100% vested and payable upon the participant’s attainment of age 65, disability, or death.

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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