FIRE-DEX, LLC 401K PLAN Contribution & Employer Match
How FIRE-DEX, LLC Supports Your Retirement Savings
FIRE-DEX, LLC provides retirement savings benefits through FIRE-DEX, LLC 401K 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.
FIRE-DEX, LLC 401K PLAN Average Participant Retirement Account Value
FIRE-DEX, LLC 401K PLAN Estimated Average Employee Contribution Amount
163,373.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,552.00 in FIRE-DEX, LLC 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FIRE-DEX, LLC 401K 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.
FIRE-DEX, LLC 401K PLAN Total Employer Contribution and Match Rate
FIRE-DEX, LLC 401K PLAN Estimated Average Employer Match
Investing in this additonal $1,019.00 for 20 years would give you extra $65,223.00, 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.
FIRE-DEX, LLC 401K PLAN Contribution & Match Policy
FIRE-DEX, LLC 401K PLAN Contribution, Match and Other Plan Policies
- Participants may make pre-tax contributions in any amount up to 100% of their eligible compensation as defined by the Plan, subject to certain limits imposed by the Internal Revenue Service ("IRS").
- Participants may also make Roth contributions in any amount up to 100% of their eligible compensation, and may elect to make in-plan transfers of their vested accounts into Roth accounts in accordance with the terms of the Plan.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
- The Plan also provides that participants who are projected to be age 50 or older by the end of the calendar year and who are making deferral contributions to the Plan may also make catch-up contributions, subject to certain IRS limitations.
- The Plan requires an employer safe harbor matching contribution equal to 100% of participant’s contributions that do not exceed 3% of a participant’s eligible compensation plus 50% of a participant’s contributions between 3% and 5% of eligible compensation.
- The Company may also make a discretionary matching contribution which will not exceed 4% of a participant’s eligible compensation, and a discretionary profit sharing contribution.
- No discretionary matching contributions or discretionary profit sharing contributions were made for the year ended December 31, 2024.
- Participants are vested immediately in their contributions and employer safe harbor matching contributions plus actual earnings thereon.
- Vesting in the Company’s discretionary matching contribution and discretionary profit sharing contribution portions of their accounts is based on years of continuous service.
- A participant is 100% vested after three years of credited service (0% in years one and two, 100% in year three), or in the event of death, disability, or attaining normal retirement age as defined by the Plan.
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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