401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Contribution & Employer Match
How NATIXIS INVESTMENT MANAGERS, LLC Supports Your Retirement Savings
NATIXIS INVESTMENT MANAGERS, LLC provides retirement savings benefits through 401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC. 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 RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Average Participant Retirement Account Value
401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Estimated Average Employee Contribution Amount
495,010.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,734.00 in 401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC
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 RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Total Employer Contribution and Match Rate
401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Estimated Average Employer Match
Investing in this additonal $6,532.00 for 20 years would give you extra $418,062.00, 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 RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Contribution & Match Policy
401(K) SAVINGS AND RETIREMENT PLAN, SPONSORED BY NATIXIS INVESTMENT MANAGERS, LLC Contribution, Match and Other Plan Policies
- Upon meeting eligibility requirements participants may contribute up to 100% of their plan compensation on a pre-tax, after-tax, or after-tax Roth basis, subject to Internal Revenue Code (IRC) limitations.
- Participants who are at least 50 may make an additional catch up contribution subject to IRC limitations.
- All new and rehired participants are automatically enrolled at a contribution rate of 4% of plan compensation, unless they opt out.
- Participants who are automatically enrolled have their deferrals increased by 1% on January 1 following 60 days of participation in the autoenrollment feature, and effective on each succeeding January 1 thereafter until their deferral percentage equals 15%.
- Participant contributions are matched by the Company at 100% of the first 4% of eligible compensation.
- For participants defined as field sales employees of Natixis Advisors, LLC who have a base compensation of at least $85,000 and less than $125,000 (field sales employees), participant contributions are matched by the Company at 100% of the first 8% of eligible compensation.
- Participants are fully vested in that portion of their account which represents their contributions, employer matching contributions, and the income earned thereon.
- A participant’s interest in their employer Retirement Account Contributions and earnings thereon vests according to the following schedule: Completed Years of Service Percent Vested 1 year 20% 2 years 40% 3 years 60% 4 years 80% 5 years 100% Participants become 100% vested in their employer Retirement Account Contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
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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