CREATIVE REALITIES, INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

How CREATIVE REALITIES, INC. Supports Your Retirement Savings

CREATIVE REALITIES, INC. provides retirement savings benefits through CREATIVE REALITIES, INC. 401(K) RETIREMENT 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.

* Data are from public filings.

Employer Match in CREATIVE REALITIES, INC. 401(K) RETIREMENT 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.

CREATIVE REALITIES, INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

CREATIVE REALITIES, INC. 401(K) RETIREMENT PLAN Plan Policies

CREATIVE REALITIES, INC. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Prior to the Plan merger, the Plan was a contributory plan whereby an employee who elected to participate could contribute a percentage of the employee’s compensation up to 60 percent of the employee’s compensation.
  • Participants also could contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
  • 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 4 percent of eligible compensation and their contributions invested in a designated target fund until changed by the participant.
  • NOT_FOUND – The text does not specify an employer match formula.
  • Participants are immediately vested in their voluntary contributions and employer discretionary matching contributions plus the actual earnings thereon.
  • Employer discretionary nonelective contributions vest over three years, and participants are fully vested in these contributions after three years of service.

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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