CURTIS INDUSTRIES, LLC RETIREMENT PLAN Contribution & Employer Match
How CURTIS INDUSTRIES, LLC Supports Your Retirement Savings
CURTIS INDUSTRIES, LLC provides retirement savings benefits through CURTIS INDUSTRIES, LLC RETIREMENT 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.
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Average Participant Retirement Account Value
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Estimated Average Employee Contribution Amount
207,354.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,239.00 in CURTIS INDUSTRIES, LLC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CURTIS INDUSTRIES, LLC RETIREMENT 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.
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Total Employer Contribution and Match Rate
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $820.00 for 20 years would give you extra $52,521.00, 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.
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Contribution & Match Policy
CURTIS INDUSTRIES, LLC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of their respective pretax annual compensation, subject to limitations established by the Internal Revenue Service.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan also includes an automatic enrollment and automatic deferral increase feature.
- Individuals hired by the Company who do not affirmatively elect not to participate are automatically enrolled in the Plan after the eligibility period and will have their compensation reduced by 4% and invested in the Plan’s Qualified Default Investment Alternative fund.
- In addition, these employees will have their deferrals increased by 1% per year, not to exceed 10% of their compensation, unless the employee affirmatively elects not to increase their contributions.
- For the years ended December 31, 2024 and 2023, the Company provided a matching contribution equal to 50% of each participant’s deferred compensation up to 6%.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s contribution and any discretionary contribution portion of their accounts, plus actual earnings thereon, is based on years of continuous service.
- A participant is 25% vested after one year of credited service, 50% after two years, 75% after three years, and is 100% vested after the completion of four 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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