LSB INDUSTRIES, INC. 401(K) PLAN Contribution & Employer Match
How LSB INDUSTRIES, INC. Supports Your Retirement Savings
LSB INDUSTRIES, INC. provides retirement savings benefits through LSB INDUSTRIES, INC. 401(K) 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.
LSB INDUSTRIES, INC. 401(K) PLAN Average Participant Retirement Account Value
LSB INDUSTRIES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
381,859.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,966.00 in LSB INDUSTRIES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in LSB INDUSTRIES, INC. 401(K) 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.
LSB INDUSTRIES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
LSB INDUSTRIES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,591.00 for 20 years would give you extra $165,852.00, 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.
LSB INDUSTRIES, INC. 401(K) PLAN Contribution & Match Policy
LSB INDUSTRIES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute from 0% to 75% of pretax annual compensation, as defined in the Plan, subject to certain other limitations.
- Participants who attain age 50 before the end of the Plan year may also make catch-up contributions.
- The Plan provides for automatic deferrals…
- Participants are deemed to have elected to contribute 5% of their compensation to the Plan, unless the participant elected a different percentage, or elected not to participate.
- The automatic deferral is directed to the appropriate target-date fund based on the participant’s age.
- The Plan also includes an automatic escalation deferral amount of 1% annually, up to a maximum of 10% of compensation.
- The Company made matching contributions for employees at the EDC Facility covered by an International Association of Machinists and Aerospace Workers (IAMAW) CBA and United Steelworkers of America International Union (USW) CBA.
- The Company made matching contributions for employees covered by the IAMAW CBA at the rate of fifty cents ($0.50) per one dollar ($1.00) for all worked hours plus all paid-time-off (PTO) hours used up to 6% of base earnings.
- Base earnings is defined as the regular hourly payrate as set forth in the CBA, excluding premium pay.
- Through September 21, 2024, the company made matching contributions for employees covered by the USW CBA at the rate of fifty cents ($0.50) per one dollar ($1.00) for all of the employees worked hours plus all PTO hours used up to 6% of base earnings.
- Base earnings is defined as the regular hourly payrate as set forth in the CBA, excluding any premium pay.
- Beginning September 22, 2024 through December 31, 2024, the Company made matching contributions of fifty cents ($0.50) per one dollar ($1.00) up to 6% of the employee’s earnings, based on total hours worked including PTO.
- The Company made matching contributions for employees at the CNC Facility covered by a USW CBA at a rate of fifty cents ($0.50) per one dollar ($1.00) up to 5% of the employee’s earnings, based on total hours worked including PTO.
- With respect to all other employees that are not covered by a CBA, the Company made discretionary matching contributions of one dollar ($1.00) per one dollar ($1.00) of the employee’s contribution for up to 5% of compensation.
- Participants immediately vest in their contributions plus actual earnings and losses thereon.
- Employer matching and profit-sharing contributions made to all qualifying participants are 100% vested when made to the participant’s account.
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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