BDG MEDIA, INC. 401(K) PLAN Contribution & Employer Match
How BDG MEDIA, INC. Supports Your Retirement Savings
BDG MEDIA, INC. provides retirement savings benefits through BDG MEDIA, 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.
BDG MEDIA, INC. 401(K) PLAN Average Participant Retirement Account Value
BDG MEDIA, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
197,491.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,085.00 in BDG MEDIA, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BDG MEDIA, 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.
* 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.
BDG MEDIA, INC. 401(K) PLAN Contribution & Match Policy
BDG MEDIA, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, eligible employees may elect to contribute a portion of their eligible compensation to the Plan on a pre-tax basis or Roth basis, subject to limitations established by the Internal Revenue Code (IRC).
- The Plan has an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan at a rate of 3% unless they affirmatively opt out.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Company may make discretionary matching contributions and discretionary non-elective contributions to the Plan, which would be allocated to all eligible employees.
- For the year ended December 31, 2024, the Employer did not make a discretionary matching contribution or discretionary non-elective contributions to the Plan.
- Vesting schedule: 0-2 years of service: 0% vested After 2 years of service: 50% vested After 3 years of service: 100% vested A participant is immediately 100% vested in their elective deferrals and rollover contributions, including allocated earnings thereon at all times.
- A participant is 100% vested in Employer discretionary matching contributions and discretionary non-elective contributions as follows: 0-2 years of service, 0% vested; after 2 years of service, 50% vested and after 3 years of service, 100% vested.
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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