CIRCLE INTERNET SERVICES, INC. 401(K) PLAN Contribution & Employer Match

How CIRCLE INTERNET SERVICES, INC. DBA CIRCLECI Supports Your Retirement Savings

CIRCLE INTERNET SERVICES, INC. DBA CIRCLECI provides retirement savings benefits through CIRCLE INTERNET SERVICES, 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.

CIRCLE INTERNET SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CIRCLE INTERNET SERVICES, INC. 401(K) PLAN is $47,715.00

CIRCLE INTERNET SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CIRCLE INTERNET SERVICES, INC. 401(K) PLAN is $7,197.00. 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.
460,614.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,197.00 in CIRCLE INTERNET SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CIRCLE INTERNET SERVICES, 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.

CIRCLE INTERNET SERVICES, INC. 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to $20,500 for 2022 ($27,000 for those age 50 or over).

2. Employer Match/Contribution Conditions: Participants must attain age 21 and complete three months of service to receive matching contributions. For non-elective contributions, participants must attain age 21, complete one year of service, and be employed on the last day of the Plan year.

3. Vesting Schedule/Eligibility: Participants vest in Plan sponsor contributions at the rate of 25% after two years of service, 75% after three years of service, and 100% after four years of service. Eligibility requires participants to attain age 21.

4. Roth 401(k) Contribution: Roth contributions are permitted under the Plan.

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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