BOND CREATIVE, LLC. 401(K) PLAN Contribution & Employer Match
How BOND CREATIVE, LLC Supports Your Retirement Savings
BOND CREATIVE, LLC provides retirement savings benefits through BOND CREATIVE, LLC. 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.
BOND CREATIVE, LLC. 401(K) PLAN Average Participant Retirement Account Value
BOND CREATIVE, LLC. 401(K) PLAN Estimated Average Employee Contribution Amount
443,505.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,929.00 in BOND CREATIVE, LLC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BOND CREATIVE, LLC. 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.
BOND CREATIVE, LLC. 401(K) PLAN Total Employer Contribution and Match Rate
BOND CREATIVE, LLC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $7.00 for 20 years would give you extra $459.00, 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.
BOND CREATIVE, LLC. 401(K) PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 92% of their plan compensation in pre-tax deferrals and Roth deferrals.
2. Employer Match/Contribution Conditions:
3. – Discretionary Matching Contributions: Participants must complete 1,000 hours of service during the Plan year and be employed by the Company on the last day of the Plan year.
4. – Safe Harbor Non-Elective Contributions (SHNECs): The Company contributes not less than 3% of Plan Compensation, and the employee must be eligible to participate in the Plan.
5. – Non-Elective Contributions: Participants must complete 1,000 hours of service during the Plan year and be employed by the Company on the last day of the Plan year.
6. Vesting Schedule/Eligibility:
7. – Vesting Schedule: Participants vest in the Company’s non-elective contributions at the rate of 20% for each year of service until fully vested, beginning on the second anniversary of date of hire. Full vesting occurs after six years of credited service.
8. – Eligibility Requirements: Employees must be at least 21 years old and complete 1,000 hours of service with the Company during the one year of eligibility computation period.
9. Roth 401(k) contribution: Yes, the plan allows Roth deferrals.
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.
Get Key Insights for This Plan
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