CLUMIO 401(K) PLAN Contribution & Employer Match

How CLUMIO, INC Supports Your Retirement Savings

CLUMIO, INC provides retirement savings benefits through CLUMIO 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.

CLUMIO 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CLUMIO 401(K) PLAN is $15,756.00

CLUMIO 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CLUMIO 401(K) PLAN is $10,113.00. 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.
647,287.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,113.00 in CLUMIO 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CLUMIO 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.

CLUMIO 401(K) PLAN Contribution & Match Policy

CLUMIO 401(K) PLAN Plan Policies

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

  • The Plan included an auto-enrollment provision whereby all newly eligible employees were automatically enrolled in the Plan unless they affirmatively elected not to participate in the Plan.
  • Automatically enrolled participants had their deferral rate set at 5% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • Participants who had attained age 50 before the end of the Plan year were eligible to make catch-up contributions.
  • The Company may choose to make discretionary matching contributions and discretionary profit sharing contributions to the Plan as defined in the Plan agreement.
  • The Company did not make any matching contributions or profit sharing contributions to the Plan for the year ended December 31, 2024.
  • Participants were immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company matching and profit sharing contribution portion of their accounts, plus actual earnings thereon, was based on years of credited service.
  • A participant was 100% vested after four years of credited service.
  • Notwithstanding the above, a participant was fully vested upon reaching normal retirement age, death, or permanent disability.
  • As a result of the plan termination effective October 31, 2024, all participants became fully vested in the Company’s matching and profit sharing 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:

 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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