ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Contribution & Employer Match
How ARIEL INVESTMENTS, LLC Supports Your Retirement Savings
ARIEL INVESTMENTS, LLC provides retirement savings benefits through ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS 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.
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Average Participant Retirement Account Value
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Estimated Average Employee Contribution Amount
808,675.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,635.00 in ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS 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.
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Total Employer Contribution and Match Rate
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $4,509.00 for 20 years would give you extra $288,583.00, 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.
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Contribution & Match Policy
ARIEL INVESTMENTS, LLC EMPLOYEES’ PROFIT SHARING AND SAVINGS PLAN AND TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 95% of pretax annual compensation as pre-tax or Roth contributions, as defined in the Plan.
- Additionally, participants age 50 or older, who are making contributions to the Plan, are allowed to make catch-up contributions as defined in the Plan.
- For the year ended December 31, 2024, the Company’s matching contribution was 100% of up to 3% of eligible compensation.
- Participants are immediately vested in their own contributions as well as the matching portion of the Company’s contribution, plus actual earnings thereon.
- Vesting in the discretionary portion of the Company’s contribution is based on years of continuous service.
- A participant is 100% vested after six 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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