AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Contribution & Employer Match
How AVIDITY SCIENCE LLC Supports Your Retirement Savings
AVIDITY SCIENCE LLC provides retirement savings benefits through AVIDITY SCIENCE RETIREMENT SAVINGS 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.
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
415,707.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,495.00 in AVIDITY SCIENCE RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AVIDITY SCIENCE RETIREMENT SAVINGS 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.
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,412.00 for 20 years would give you extra $154,383.00, 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.
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Contribution & Match Policy
AVIDITY SCIENCE RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Prior to the plan merger, participants could contribute a percentage of eligible compensation, as defined by the Plan, to the Plan.
- The Plan included an automatic enrollment provision whereby all eligible employees were automatically enrolled in the Plan unless they affirmatively elected not to participate.
- Automatically enrolled participants had their deferral rate set at 5% of eligible compensation until changed by the participant.
- Participants who had attained age 50 before the end of the Plan year were eligible to make catch-up contributions.
- Participants could also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollovers).
- All active participants in the Plan were eligible for Company safe harbor matching contributions in an amount equal to 100% of the amount of the participant’s elective deferrals that did not exceed 4% of the participant’s eligible compensation.
- Participants are immediately vested in their contributions and the Company’s safe harbor matching contributions, plus actual earnings thereon.
- For Company contributions made prior to January 1, 2022, and earnings thereon, vesting in the Company’s contributions and earnings thereon was based on years of continuing service.
- A participant was 100% vested after three years of credited service, upon death or disability during the term of employment, qualified retirement, or 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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