CAMBRIDGE SEMANTICS INC. 401(K) PLAN Contribution & Employer Match
How CAMBRIDGE SEMANTICS INC. Supports Your Retirement Savings
CAMBRIDGE SEMANTICS INC. provides retirement savings benefits through CAMBRIDGE SEMANTICS 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.
CAMBRIDGE SEMANTICS INC. 401(K) PLAN Average Participant Retirement Account Value
CAMBRIDGE SEMANTICS INC. 401(K) PLAN Estimated Average Employee Contribution Amount
541,752.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,464.00 in CAMBRIDGE SEMANTICS INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CAMBRIDGE SEMANTICS 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.
CAMBRIDGE SEMANTICS INC. 401(K) PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may pre-tax contributions up to the maximum allowable under section 402(g)(1)(B) of the Internal Revenue Code (IRC), which was $19,500 for 2021 and 2020.
2. Employer Match/Contribution Conditions: The Company can contribute a discretionary non-elective contribution to all eligible participants who are actively employed during the Plan year. The specific amount and percentage are based on the sole discretion of the Company’s Board of Directors.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions plus actual earnings. Vesting in the Company’s contribution portion of their accounts is upon the completion of 1,000 service hours.
4. Roth 401(k) Contribution: The Plan allows participants to make Roth contributions.
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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