COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST Contribution & Employer Match
How COZEN OCONNOR Supports Your Retirement Savings
COZEN OCONNOR provides retirement savings benefits through COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST. 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.
COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST Average Participant Retirement Account Value
COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST Estimated Average Employee Contribution Amount
730,330.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,411.00 in COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST
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.
* 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.
COZEN OCONNOR ASSOCIATES 401(K) PLAN AND TRUST Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 75% of their pre-tax annual compensation to the plan.
2. Employer Match/Contribution Conditions: The Company may make discretionary matching contributions; however, there were no discretionary matching contributions for the year ended December 31, 2022.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions. For employer discretionary matching contributions, participants are vested after two years of credited service at 20% per year and are 100% vested after six years of credited service. Eligibility requires full-time U.S. Associate and Staff Attorneys to be employed for 30 days.
4. Roth 401(k) Contribution: The plan allows Roth Elective Deferrals (post-tax).
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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