CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Contribution & Employer Match

How CADENCE DESIGN SYSTEMS INC Supports Your Retirement Savings

CADENCE DESIGN SYSTEMS INC provides retirement savings benefits through CADENCE DESIGN SYSTEMS, 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.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN is $361,700.00

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN is $14,802.00. 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.
947,328.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,802.00 in CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CADENCE DESIGN SYSTEMS, 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.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN allocates $21,734,041.00 to match its employees’ contributions, providing an employer match rate of 27.05% of their contributions

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN is approximately $3,757.00
Investing in this additonal $3,757.00 for 20 years would give you extra $240,487.00, 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.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants may contribute up to 6% of eligible compensation, with the option to elect Roth contributions.

2. Employer Match/Contribution Conditions: The employer matches 50% of each eligible participant’s contribution up to a maximum of 6% of the participant’s eligible compensation.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions and discretionary Company contributions. They are fully vested in the employer’s matching contributions after four years of credited service.

4. Roth 401(k) Contribution: Yes, the plan allows Roth contributions.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Maximum Employer Match Calculator

This calculator helps participants of CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.

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.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Contribution & Match Policies

Contributions

Participants can contribute up to $23,500 in 2025, with an additional $7,500 catch-up contribution allowed if age 50 or older.

Employer Match

Employer contributions: The Company matches 50% of each eligible participant’s contribution up to a maximum of 6% of the participant’s eligible compensation.

Discretionary company contributions and profit-sharing contributions are also allowed.

Vesting

Participants are immediately vested in their contributions and discretionary Company contributions.

Participants are fully vested in employer matching and profit-sharing contributions allocated to their account after four years of credited service.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Maximum Match Calculator

This calculator helps to decide the minimum contribution you need to get the maximum employer match.



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