CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Contribution & Employer Match
How CLAW FORESTRY SERVICES, LLC Supports Your Retirement Savings
CLAW FORESTRY SERVICES, LLC provides retirement savings benefits through CLAW FORESTRY SERVICES 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.
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Average Participant Retirement Account Value
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
222,930.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,483.00 in CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CLAW FORESTRY SERVICES 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.
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $620.00 for 20 years would give you extra $39,703.00, 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.
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Contribution & Match Policy
CLAW FORESTRY SERVICES 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- The Plan allows for participants to make pretax contributions to the Plan subject to the limitations set forth in the Internal Revenue Code (the Code).
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Additionally, participants are permitted to contribute distributions from other qualified benefit plans.
- CLAW and VFP (collectively, the Company) match 50 percent of the first 5 percent of eligible compensation that a participant contributes to the Plan.
- The Company may elect to contribute a discretionary contribution to eligible participants, as defined.
- For the year ended December 31, 2024, there were no discretionary contributions.
- Participants are vested immediately in their contributions plus actual earnings or losses thereon.
- Vesting in the Company’s portion of their accounts is based on years of credited service.
- A participant 100 percent cliff vests in the Company’s matching contributions after 2 years of credited service and 100 percent cliff vests in the Company’s discretionary contributions after 3 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:
| 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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