EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Contribution & Employer Match
How EXCELLIGENCE LEARNING CORPORATION Supports Your Retirement Savings
EXCELLIGENCE LEARNING CORPORATION provides retirement savings benefits through EXCELLIGENCE LEARNING CORPORATION 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.
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Average Participant Retirement Account Value
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Estimated Average Employee Contribution Amount
193,221.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,019.00 in EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in EXCELLIGENCE LEARNING CORPORATION 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.
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Total Employer Contribution and Match Rate
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,407.00 for 20 years would give you extra $90,075.00, 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.
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Contribution & Match Policy
EXCELLIGENCE LEARNING CORPORATION 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 60 percent of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Company contributes a safe-harbor matching contribution equal to 100% of the first 3% of the eligible participant’s compensation contributed to the Plan, plus 50% of the next 2% of the eligible participant’s compensation contributed to the Plan.
- The Company may also contribute additional discretionary match contributions.
- Participants are vested immediately in their contributions and the Company’s safe-harbor contributions, plus actual earnings thereon.
- Vesting in the Company’s discretionary matching contribution portion of their accounts is based on years of continuous service.
- A participant is 20% percent vested after 2 years of credited service and continues to vest in increments of 20% percent until 100 percent vested after 5 years of credited 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:
| 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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