UCT RETIREMENT SAVINGS PLAN Contribution & Employer Match
How ULTRA CLEAN TECHNOLOGY SYSTEMS AND SERVICE, INC. Supports Your Retirement Savings
ULTRA CLEAN TECHNOLOGY SYSTEMS AND SERVICE, INC. provides retirement savings benefits through UCT RETIREMENT SAVINGS 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.
UCT RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
UCT RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
338,007.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,281.00 in UCT RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UCT RETIREMENT SAVINGS 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.
UCT RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
UCT RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,226.00 for 20 years would give you extra $78,466.00, 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.
UCT RETIREMENT SAVINGS PLAN Contribution & Match Policy
UCT RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 75% of their eligible compensation, as defined in the Plan document, subject to certain limitations under the IRC.
- Upon reaching the age of 50, eligible employees may make additional catch-up contributions as allowed by the IRC.
- Participants may also roll over amounts representing distributions from other qualified defined benefit or defined contribution plans into the Plan.
- The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan at a deferral rate of 3% unless they affirmatively elect not to participate in the Plan.
- The Company is allowed to make matching and nonelective employer contributions to the Plan at the discretion of the Company’s board of directors, subject to the limits of the IRC.
- In 2024 and 2023, the Company made matching employer contributions equal to 50% of the first 6% deferred by participants.
- In 2024, the Plan was amended to match catch-up contributions.
- Participants are fully vested at all times in the portion of their accounts attributable to their own contributions and earnings thereon.
- Participants vest in the portion of their accounts attributable to matching, nonelective employer contributions and earnings thereon at a rate of 50% for each year of service.
- A participant is fully vested after two years of credited service or in the event a participant becomes disabled or dies.
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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