WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Contribution & Employer Match
How WSB & ASSOCIATES, INC. Supports Your Retirement Savings
WSB & ASSOCIATES, INC. provides retirement savings benefits through WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY 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.
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Average Participant Retirement Account Value
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Estimated Average Employee Contribution Amount
641,561.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,024.00 in WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY 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.
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Total Employer Contribution and Match Rate
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $3,763.00 for 20 years would give you extra $240,873.00, 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.
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Contribution & Match Policy
WSB & ASSOCIATES, INC. 401(K) NEW COMPARABILITY PLAN AND TRUST Contribution, Match and Other Plan Policies
- Each year, eligible employees can contribute, either pre-tax or Roth, an amount up to 100 percent of compensation as defined in the Plan, limited by requirements of the Internal Revenue Code (the IRC).
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- During the fiscal year ended December 31, 2024 the Company made matching contributions equal to 100 percent of the first 5 percent of compensation that a participant contributed to the Plan.
- Vesting schedule: After 1 year of credited service: 20% After 2 years: 40% After 3 years: 60% After 4 years: 80% After 5 years: 100% Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
- Vesting in the Company’s matching and discretionary contributions portion of their accounts plus actual earnings thereon is based on years of continuous service.
- A participant’s account vests at the rate of 20% per year after one year of credited service and is 100% vested after five 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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