401(K) SAVINGS AND INVESTMENT PLAN Contribution & Employer Match
How EMD MILLIPORE CORPORATION Supports Your Retirement Savings
EMD MILLIPORE CORPORATION provides retirement savings benefits through 401(K) SAVINGS AND INVESTMENT 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.
401(K) SAVINGS AND INVESTMENT PLAN Average Participant Retirement Account Value
401(K) SAVINGS AND INVESTMENT PLAN Estimated Average Employee Contribution Amount
953,497.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,898.00 in 401(K) SAVINGS AND INVESTMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 401(K) SAVINGS AND INVESTMENT 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.
401(K) SAVINGS AND INVESTMENT PLAN Total Employer Contribution and Match Rate
401(K) SAVINGS AND INVESTMENT PLAN Estimated Average Employer Match
Investing in this additonal $6,438.00 for 20 years would give you extra $412,090.00, 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.
401(K) SAVINGS AND INVESTMENT PLAN Contribution & Match Policy
401(K) SAVINGS AND INVESTMENT PLAN Contribution, Match and Other Plan Policies
- The Plan provides for employee salary deferral contributions up to a maximum of 75 percent of annual compensation subject to maximum limitations established by the Internal Revenue Code (IRC).
- All participants who have attained age 50 before the close of a plan year are eligible to make catch-up contributions in accordance with, and subject to limitations established by, the Internal Revenue Code.
- The Plan provides for employer matching contributions of 100 percent of the participant’s contribution, not to exceed 6 percent of the employee’s deferred compensation.
- Participants are immediately 100 percent vested in their elective deferrals, rollover contributions, and employer matching contributions, plus earnings thereon.
- Vesting in the Company’s discretionary contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
- In general, participants vest in discretionary contributions made by the Company at 20 percent after one year of service and another 20 percent per year thereafter until becoming fully vested after five years of 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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