THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Contribution & Employer Match
How FARMERS WIN COOPERATIVE Supports Your Retirement Savings
FARMERS WIN COOPERATIVE provides retirement savings benefits through THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES. 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.
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Average Participant Retirement Account Value
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Estimated Average Employee Contribution Amount
121,834.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,903.00 in THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES
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.
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Total Employer Contribution and Match Rate
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Estimated Average Employer Match
Investing in this additonal $1,190.00 for 20 years would give you extra $76,173.00, 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.
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Contribution & Match Policy
THE RESTATED THRIFT/PROFIT SHARING PLAN FOR COOPERATIVES Contribution, Match and Other Plan Policies
- Participants may make pre-tax or Roth contributions up to 80% of their annual compensation, as defined by the Plan.
- Employees age 50 or older may elect or make pretax Catch-up Contributions to the Plan after they have reached the Plan or legal limit.
- The Company contributes a fixed amount equal to 100% of the participants’ salary deferrals up to 3% of compensation.
- Vesting schedule:
- Less than 2 years: 0%
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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