GUIDEWIRE SOFTWARE RETIREMENT TRUST Contribution & Employer Match
How GUIDEWIRE SOFTWARE Supports Your Retirement Savings
GUIDEWIRE SOFTWARE provides retirement savings benefits through GUIDEWIRE SOFTWARE RETIREMENT TRUST. 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.
GUIDEWIRE SOFTWARE RETIREMENT TRUST Average Participant Retirement Account Value
GUIDEWIRE SOFTWARE RETIREMENT TRUST Estimated Average Employee Contribution Amount
1,008,151.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 15,752.00 in GUIDEWIRE SOFTWARE RETIREMENT TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GUIDEWIRE SOFTWARE RETIREMENT TRUST
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.
GUIDEWIRE SOFTWARE RETIREMENT TRUST Total Employer Contribution and Match Rate
GUIDEWIRE SOFTWARE RETIREMENT TRUST Estimated Average Employer Match
Investing in this additonal $3,395.00 for 20 years would give you extra $217,333.00, 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.
GUIDEWIRE SOFTWARE RETIREMENT TRUST Contribution & Match Policy
GUIDEWIRE SOFTWARE RETIREMENT TRUST Contribution, Match and Other Plan Policies
- Participants are permitted to make voluntary pre-tax salary deferrals, Roth post-tax, and after-tax contributions of up to 60% of eligible compensation, as defined by the Plan agreement.
- Participants who have reached the age of 50 can elect to withhold additional catch-up contributions under the Code.
- The Plan provides for automatic enrollment on the date participants become eligible for the Plan.
- The automatic election for eligible participants is 6% of compensation, unless the participants request a different amount to be contributed or formally decline to participate.
- In 2024, the Company made a matching contribution equal to 50% of each participant’s contribution up to 8% of the participant’s eligible compensation, not to exceed $5,000 for each participant.
- For matching contributions, the Plan requires an annual true-up so the aggregate matching contributions made during any given Plan year reflects an amount equal to the matching contributions had they been computed based on participant year-to-date eligible compensation contributed to the Plan.
- NOT_FOUND – Vesting schedule not explicitly stated in the extracted text.
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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