COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Contribution & Employer Match
How COTTER CONSULTING, INC. Supports Your Retirement Savings
COTTER CONSULTING, INC. provides retirement savings benefits through COTTER CONSULTING, INC. 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.
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
515,677.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,057.00 in COTTER CONSULTING, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in COTTER CONSULTING, INC. 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.
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $4,252.00 for 20 years would give you extra $272,157.00, 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.
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Contribution & Match Policy
COTTER CONSULTING, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of annual compensation as pre-tax or Roth contributions, as defined in the Plan.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- Additionally, participants age 50 or older, who are making contributions to the Plan, are allowed to make catch-up contributions as defined in the Plan.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 5% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- Company contributions consist of a required safe harbor matching contribution and a discretionary profit-sharing contribution.
- The matching contributions for the year ended December 31, 2024, were equal to 100% of the first 3% participant deferrals.
- Additional profit-sharing amounts may be contributed at the option of the Company (or Company’s Board of Directors).
- During the year ended December 31, 2024, the Company made a $250,000 profit-sharing contribution to the Plan.
- Vesting schedule: A participant is 100% vested after six years of credited service.
- Participants are immediately vested in their voluntary contributions and safe harbor matching contributions plus actual earnings thereon.
- Vesting in the Company’s non-safe harbor matching and profit-sharing contribution portion of their accounts is based on years of continuous 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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