ENVISION PHARMA, INC. 401(K) PLAN Contribution & Employer Match
How ENVISION PHARMA, INC. Supports Your Retirement Savings
ENVISION PHARMA, INC. provides retirement savings benefits through ENVISION PHARMA, 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.
ENVISION PHARMA, INC. 401(K) PLAN Average Participant Retirement Account Value
ENVISION PHARMA, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
729,805.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,403.00 in ENVISION PHARMA, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ENVISION PHARMA, 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.
ENVISION PHARMA, INC. 401(K) PLAN Total Employer Contribution and Match Rate
ENVISION PHARMA, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $3,376.00 for 20 years would give you extra $216,105.00, assuming a 10% annual return.
* 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.
ENVISION PHARMA, INC. 401(K) PLAN Contribution & Match Policy
ENVISION PHARMA, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Participants may contribute 1% to 90% of their compensation to their participant account subject to limitations imposed by the Internal Revenue Code (IRC).
- The maximum participant deferral for the year ended December 31, 2024 was $23,000.
- A participant who has attained the age of 50 may also make catch up contributions, subject to IRS limitations of $7,500, for the year ended December 31, 2024.
- Participants may also make Roth deferrals and contribute amounts representing distributions from other qualified plans.
- Under the terms of the Plan, the Company makes a safe harbor matching contribution equal to 100% of salary deferrals that do not exceed 3% of compensation plus 50% of salary deferrals between 3% and 5% of compensation.
- The Company may also make discretionary matching contributions.
- For the Plan year ended December 31, 2024, the Company elected not to provide a discretionary matching contribution.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Employer discretionary contributions plus actual earnings thereon is based on years of continuous service.
- Participants are 100% vested in Employer safe harbor contributions.
- A participant is 100% upon death and disability.
- Employer discretionary contributions vest over four years of service as follows: Years of Vesting Services Percentage 1 25% 2 50% 3 75% 4 100%
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:
| 2024 | 2025 | |
|---|---|---|
| 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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