FINRA SAVINGS PLUS PLAN Contribution & Employer Match

How FINRA Supports Your Retirement Savings

FINRA provides retirement savings benefits through FINRA SAVINGS PLUS 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.

FINRA SAVINGS PLUS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FINRA SAVINGS PLUS PLAN is $404,783.00

FINRA SAVINGS PLUS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FINRA SAVINGS PLUS PLAN is $12,712.00. 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.
813,597.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,712.00 in FINRA SAVINGS PLUS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FINRA SAVINGS PLUS 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.

FINRA SAVINGS PLUS PLAN Total Employer Contribution and Match Rate

In 2024, FINRA SAVINGS PLUS PLAN allocates $68,917,575.00 to match its employees’ contributions, providing an employer match rate of 93.74% of their contributions

FINRA SAVINGS PLUS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FINRA SAVINGS PLUS PLAN is approximately $11,215.00
Investing in this additonal $11,215.00 for 20 years would give you extra $717,774.00, 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.

FINRA SAVINGS PLUS PLAN Contribution & Match Policy

FINRA SAVINGS PLUS PLAN Plan Policies

FINRA SAVINGS PLUS PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for the automatic deferral percentage of 6% of base salary, which applies to all regular employees.
  • Participants may contribute from 1% to 50%, including the automatic deferral percentage, of base pay in pre-tax dollars, after-tax dollars, Roth contributions, or any combination thereof.
  • Participants age 50 or over may make catch-up contributions.
  • The employer basic match contribution is 100% of the first 6% of base salary contributed by a participant.
  • Participants are eligible to receive the employer basic match immediately upon participation in the Plan.
  • Additionally, the Plan makes a "True-Up" matching contribution for employees whose contribution for a payperiod is less than 6%, but their annual contribution at the end of the year is equal to or more than 6% of eligible compensation.
  • Participants are immediately vested in their contributions and the matching employer contributions plus actual earnings thereon.
  • With respect to FINRA Retirement Contributions, participants vest 20 percent after two years of service and then 20 percent per year until they are 100 percent vested after six 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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