IDEAL IMPACT, INC. 401(K) PLAN Contribution & Employer Match
How IDEAL IMPACT, INC. Supports Your Retirement Savings
IDEAL IMPACT, INC. provides retirement savings benefits through IDEAL IMPACT, INC. 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.
IDEAL IMPACT, INC. 401(K) PLAN Average Participant Retirement Account Value
IDEAL IMPACT, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
299,136.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,674.00 in IDEAL IMPACT, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in IDEAL IMPACT, INC. 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.
* 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.
IDEAL IMPACT, INC. 401(K) PLAN Contribution & Match Policy
IDEAL IMPACT, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- The Plan is a contributory plan whereby participants may make pre-tax and/or Roth 401(k) contributions up to a maximum of 100% of eligible compensation, not to exceed the dollar limit set by law of $23,000 for 2024.
- Participants age 50 or older may elect to defer up to an additional $7,500 of catch up contributions to the Plan.
- In addition, participants may also contribute amounts representing distributions from other qualified plans described in Code section 401(a) or 403(a), excluding after-tax employee contributions.
- The Plan Sponsor may, at its discretion, elect to make a matching contribution or profit-sharing contribution to the Plan.
- There were no matching contributions made by the Plan Sponsor for the year ended 2024.
- Participants are immediately vested in their contributions and actual earnings thereon upon entering the Plan. Each participant attains a vested and nonforfeitable right in the Plan Sponsor’s matching and profit-sharing contributions according to the following schedule:
- Less than 1 years: 0%
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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