CAPSTONE CONCEPTS 401(K) PLAN Contribution & Employer Match

How CAPSTONE CONCEPTS, LLC Supports Your Retirement Savings

CAPSTONE CONCEPTS, LLC provides retirement savings benefits through CAPSTONE CONCEPTS 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.

CAPSTONE CONCEPTS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CAPSTONE CONCEPTS 401(K) PLAN is $5,182.00

CAPSTONE CONCEPTS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CAPSTONE CONCEPTS 401(K) PLAN is $1,086.00. 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.
69,504.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,086.00 in CAPSTONE CONCEPTS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CAPSTONE CONCEPTS 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.

CAPSTONE CONCEPTS 401(K) PLAN Contribution & Match Policy

CAPSTONE CONCEPTS 401(K) PLAN Plan Policies

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

  • Eligible participants are automatically enrolled in the Plan unless they affirmatively elect not to participate.
  • Automatically enrolled participants have their deferral rate set at 4% of eligible compensation unless changed by the participant.
  • Participants may elect to contribute to the Plan, through salary reduction, a percentage of their eligible compensation for the Plan year up to the Internal Revenue Service (IRS) limit.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions up to $7,500 and $6,500 for 2024 and 2023, respectively.
  • Capstone may also make a discretionary matching contribution to the Plan for eligible employees.
  • No discretionary matching contribution was made in 2024 or 2023.
  • Participants are immediately vested in their elective deferral and rollover contributions plus actual 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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