ATOMIC DESIGN, INC. 401(K) PLAN Contribution & Employer Match
How ATOMIC DESIGN, INC. Supports Your Retirement Savings
ATOMIC DESIGN, INC. provides retirement savings benefits through ATOMIC DESIGN, INC. 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.
ATOMIC DESIGN, INC. 401(K) PLAN Average Participant Retirement Account Value
ATOMIC DESIGN, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
211,020.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,297.00 in ATOMIC DESIGN, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ATOMIC DESIGN, INC. 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.
ATOMIC DESIGN, INC. 401(K) PLAN Total Employer Contribution and Match Rate
ATOMIC DESIGN, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,739.00 for 20 years would give you extra $111,351.00, 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.
ATOMIC DESIGN, INC. 401(K) PLAN Contribution & Match Policy
ATOMIC DESIGN, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are enrolled in the Plan unless they affirmatively elect a different deferral rate.
- The automatic deferral rate is set at 4% of eligible compensation for automatically enrolled participants, with subsequent increases of 1% annually, until the deferral percentage reaches 8% of eligible compensation.
- Under current provisions of the Plan, the Company makes a non-elective qualified automatic contribution arrangement (QACA) safe harbor contribution of 3% of compensation.
- The Company may make a discretionary matching and profit-sharing contribution to all qualifying participants, which the Company determines from year to year.
- The Company did not make any discretionary matching or profit sharing contributions to the Plan for the years ending December 31, 2024 or 2023.
- Vesting schedule: Less Than Two Years: 0% Two Years: 20% Three Years: 40% Four Years: 60% Five Years: 80% Six Years: 100% A participant becomes fully-vested upon attainment of normal retirement age, upon disability, upon death, or upon termination of the Plan.
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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