ESI-US HOLDINGS 401(K) PLAN Contribution & Employer Match

How ESI-US HOLDINGS, INC. Supports Your Retirement Savings

ESI-US HOLDINGS, INC. provides retirement savings benefits through ESI-US HOLDINGS 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.

ESI-US HOLDINGS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ESI-US HOLDINGS 401(K) PLAN is $199,680.00

ESI-US HOLDINGS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ESI-US HOLDINGS 401(K) PLAN is $5,472.00. 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.
350,247.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,472.00 in ESI-US HOLDINGS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ESI-US HOLDINGS 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.

ESI-US HOLDINGS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, ESI-US HOLDINGS 401(K) PLAN allocates $371,556.00 to match its employees’ contributions, providing an employer match rate of 37.72% of their contributions

ESI-US HOLDINGS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ESI-US HOLDINGS 401(K) PLAN is approximately $2,211.00
Investing in this additonal $2,211.00 for 20 years would give you extra $141,545.00, 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.

ESI-US HOLDINGS 401(K) PLAN Contribution & Match Policy

ESI-US HOLDINGS 401(K) PLAN Plan Policies

ESI-US HOLDINGS 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 90% of salary, as defined in the plan document, through payroll withholdings to several investment alternatives as directed by the participant.
  • Participant contributions may be made on a pre-tax or after-tax (Roth) basis.
  • Participants who have attained age 50 before the end of the year are eligible to make additional ‘catch-up’ contributions.
  • The Plan includes an auto-enrollment feature, whereby newly eligible participants who do not affirmatively elect a different percentage are enrolled in the Plan at a 5% deferral rate.
  • The auto-enrollment percentage escalates each December 31 by 1% until a participant’s deferral rate reaches 10%.
  • The formula used to determine the employer matching contribution was equal to 100% of the first 5% of compensation deferred with a cap of $7,500.
  • Participants are immediately vested in their contributions (deferrals and rollovers) plus actual earnings thereon. The Company’s contributions vesting is 0% for
  • Less than 1 years: 0%

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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