DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Contribution & Employer Match

How DIVERGENT TECHNOLOGIES, INC. Supports Your Retirement Savings

DIVERGENT TECHNOLOGIES, INC. provides retirement savings benefits through DIVERGENT TECHNOLOGIES, INC. 401(K) P/S 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.

DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN is $23,491.00

DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN is $8,559.00. 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.
547,835.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,559.00 in DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in DIVERGENT TECHNOLOGIES, INC. 401(K) P/S 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.

DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Contribution & Match Policy

DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Plan Policies

DIVERGENT TECHNOLOGIES, INC. 401(K) P/S PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to contribute on a before tax or after tax (Roth) basis up to 100% of annual compensation, as defined in the Plan, subject to an annual maximum dollar limitation ($23,000 in 2024, and $22,500 in 2023).
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions, subject to an annual maximum dollar limitation ($7,500 in both 2024 and 2023).
  • The Company may, at its discretion, make matching and profit sharing contributions, as defined in the Plan.
  • The Company did not make any contributions for the years ended December 31, 2024 and 2023.
  • Vesting in the Company’s matching and profit sharing contributions, if any, is based on years of continuous service as follows: Years of Vesting Services Vesting % Less than Two Years 0% Two Years but less than Three Years 20% Three Years but less than Four Years 40% Four Years but less than Five Years 60% Five Years but less than Six Years 80% Six or More Years 100%

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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