BITGO 401(K) PLAN Contribution & Employer Match

How BITGO, INC. Supports Your Retirement Savings

BITGO, INC. provides retirement savings benefits through BITGO 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.

BITGO 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BITGO 401(K) PLAN is $84,738.00

BITGO 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BITGO 401(K) PLAN is $18,415.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
1,178,601.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 18,415.00 in BITGO 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BITGO 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.

BITGO 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, BITGO 401(K) PLAN allocates $1,527,602.00 to match its employees’ contributions, providing an employer match rate of 43.54% of their contributions

BITGO 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BITGO 401(K) PLAN is approximately $6,014.00
Investing in this additonal $6,014.00 for 20 years would give you extra $384,907.00, 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.

BITGO 401(K) PLAN Contribution & Match Policy

BITGO 401(K) PLAN Plan Policies

BITGO 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to reduce their compensation by a specific percentage or dollar amount and have that amount contributed to the Plan as a salary deferral, not to exceed the dollar limit which is set by law.
  • There are two types of salary deferrals: pre-tax 401(k) deferrals and Roth 401(k) deferrals.
  • Participants who are at least age 50 or will attain age 50 before the end of a calendar year may elect to defer additional amounts called catch-up contributions.
  • The Plan also has an automatic enrollment feature in which a participant will be automatically enrolled at 1% approximately 30 days after the eligibility requirements are met.
  • The Company will make a safe-harbor employer contribution equal to a uniform percentage of participants’ salary deferrals.
  • For 2024, the safe-harbor matching percentage was 100% of employee deferrals that do not exceed 3% of compensation plus 50% of employee deferrals between 3% and 5% of compensation.
  • Participants are always 100% vested in their salary deferrals including pre-tax and Roth 401(k) deferrals, catch-up contributions, rollovers, safer harbor contributions, profit sharing contributions and any earnings thereon.

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:

 20242025
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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