AALTO SCIENTIFIC, LTD. 401(K) PLAN Contribution & Employer Match
How AALTO SCIENTIFIC, LTD. Supports Your Retirement Savings
AALTO SCIENTIFIC, LTD. provides retirement savings benefits through AALTO SCIENTIFIC, LTD. 401(K) 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.
AALTO SCIENTIFIC, LTD. 401(K) PLAN Average Participant Retirement Account Value
AALTO SCIENTIFIC, LTD. 401(K) PLAN Estimated Average Employee Contribution Amount
156,350.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,442.00 in AALTO SCIENTIFIC, LTD. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AALTO SCIENTIFIC, LTD. 401(K) 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.
* 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.
AALTO SCIENTIFIC, LTD. 401(K) PLAN Contribution & Match Policy
AALTO SCIENTIFIC, LTD. 401(K) PLAN Contribution, Match and Other Plan Policies
- Under the provisions of the Plan, each participant may contribute a portion of qualified compensation for the Plan year.
- Participant contributions may be traditional 401(k) deferrals (pre-tax) or Roth 401(k) deferrals (after-tax).
- The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at three percent of eligible compensation and their contributions treated as a traditional deferral.
- The automatic enrollment will increase by one percent each new Plan year up to a maximum of 10 percent.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Under the employer contributions provision of the Plan, the Company may also contribute matching contributions as well as a profit-sharing contributions.
- To be eligible for the employer contributions, a participant must be employed on the last day of the Plan year.
- There were no employer contributions during the year ended December 31, 2024.
- Participants are immediately vested in participant contributions plus earnings thereon.
- All employer matching and profit-sharing contributions are fully vested upon completion of three years of vesting 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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