CLEANWATER1 401(K) SAVINGS PLAN Contribution & Employer Match
How CLEANWATER1, INC. Supports Your Retirement Savings
CLEANWATER1, INC. provides retirement savings benefits through CLEANWATER1 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.
CLEANWATER1 401(K) SAVINGS PLAN Average Participant Retirement Account Value
CLEANWATER1 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
545,161.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,518.00 in CLEANWATER1 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CLEANWATER1 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.
CLEANWATER1 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
CLEANWATER1 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,190.00 for 20 years would give you extra $76,210.00, 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.
CLEANWATER1 401(K) SAVINGS PLAN Contribution & Match Policy
CLEANWATER1 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may contribute to the Plan through payroll deductions at a rate of 1 to 100 percent of their compensation not to exceed annual limits set by the tax laws ($23,000 for 2024 and $22,500 for 2023) in the Plan year.
- Participants age 50 and over are eligible to contribute to make catch-up contributions up to $7,500 in 2024 and 2023.
- The Company will match 50% of participant contributions up to 5% of eligible participant compensation.
- In addition, the Company can make non-elective contributions equal to a discretionary percentage, to be determined by the Company, of the participant’s elective deferrals.
- There were no non-elective contributions made for the year ended December 31, 2024.
- Vesting schedule: 1 year: 0% 2 years: 50% 3 years or more: 100%
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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