FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Contribution & Employer Match
How FLUID INTERIORS, LLC Supports Your Retirement Savings
FLUID INTERIORS, LLC provides retirement savings benefits through FLUID INTERIORS, LLC 401(K) SAVINGS 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.
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Average Participant Retirement Account Value
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
309,239.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,831.00 in FLUID INTERIORS, LLC 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FLUID INTERIORS, LLC 401(K) SAVINGS 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.
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $653.00 for 20 years would give you extra $41,849.00, 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.
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Contribution & Match Policy
FLUID INTERIORS, LLC 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute a portion of their compensation, subject to certain maximum limitations imposed by Section 402(g) of the IRC.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan has an automatic enrollment provision (5% salary deferral) whereby employees must elect out of the Plan if they do not wish to participate.
- For the 2024 plan year, the discretionary employer matching provision was equal to 25% of employee deferrals up to 1.25% of eligible compensation.
- Participants are immediately 100% vested in their elective deferrals including catch-up contributions, rollover contributions from other plans, and actual earnings thereon.
- The method for crediting vesting service for Company matching and profit-sharing contributions is based on vesting periods of service.
- Participants are credited with a period of service for 1,000 hours earned.
- If participants are employed on or after their Normal Retirement Age or if they terminate employment on account of death or disability, they are 100% vested in their Company matching and profit-sharing contributions.
- Service Years < 1 1 2 3 Matching 0% 0% 50% 100% Profit Sharing 0% 0% 50% 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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