SME EMPLOYEES’ SAVINGS PLAN AND TRUST Contribution & Employer Match
How SOIL AND MATERIALS ENGINEERS, INC. Supports Your Retirement Savings
SOIL AND MATERIALS ENGINEERS, INC. provides retirement savings benefits through SME EMPLOYEES’ SAVINGS 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.
SME EMPLOYEES’ SAVINGS PLAN AND TRUST Average Participant Retirement Account Value
SME EMPLOYEES’ SAVINGS PLAN AND TRUST Estimated Average Employee Contribution Amount
611,005.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,546.00 in SME EMPLOYEES’ SAVINGS PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SME EMPLOYEES’ SAVINGS 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.
SME EMPLOYEES’ SAVINGS PLAN AND TRUST Total Employer Contribution and Match Rate
SME EMPLOYEES’ SAVINGS PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $4,508.00 for 20 years would give you extra $288,532.00, 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.
SME EMPLOYEES’ SAVINGS PLAN AND TRUST Contribution & Match Policy
1. Employee Contribution Rates: Each year participants may contribute up to 100% of their eligible pretax compensation, as defined in the Plan.
2. Employer Match/Contribution Conditions: The Company may make discretionary matching contributions based on a percentage, to be determined annually by the Company’s Board of Directors, of the employees’ deferral contributions to the Plan.
3. Vesting Schedule/Eligibility: Discretionary matching or profit-sharing contributions plus actual earnings are vested in accordance with the following schedule: less than 2 years (0%), 2 years (20%), 3 years (40%), 4 years (60%), 5 years (80%), 6 years (100%). Eligibility requires employees to have completed three months of service and be age twenty-one or older.
4. Roth 401(k) contribution: Not stated.
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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