INFOMERGE LLC 401(K) PLAN Contribution & Employer Match
How INFOMERGE LLC Supports Your Retirement Savings
INFOMERGE LLC provides retirement savings benefits through INFOMERGE LLC 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.
INFOMERGE LLC 401(K) PLAN Average Participant Retirement Account Value
INFOMERGE LLC 401(K) PLAN Estimated Average Employee Contribution Amount
239,782.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,746.00 in INFOMERGE LLC 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INFOMERGE LLC 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.
INFOMERGE LLC 401(K) PLAN Total Employer Contribution and Match Rate
INFOMERGE LLC 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $4,674.00 for 20 years would give you extra $299,195.00, 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.
INFOMERGE LLC 401(K) PLAN Contribution & Match Policy
INFOMERGE LLC 401(K) PLAN Contribution, Match and Other Plan Policies
- Participating employees may elect to contribute a percentage of their annual compensation, as defined in the Plan document, to the Plan on a tax-deferred or after-tax basis.
- No less than 1% deferral can be made and participants can defer up to 75% of compensation subject to limitations in the Internal Revenue Code.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Companies may make a discretionary match contribution equal to 6% of participants compensation.
- The Companies have not elected a discretionary match for the years ending December 31, 2024 and 2023.
- The Companies made safe-harbor contributions of 3% of the prior year compensation totaling $286,908 and $276,094 for the Plan years ended December 31, 2024 and 2023, respectively.
- Participants are vested immediately in their deferral contributions and the employer safe harbor match.
- Companies discretionary contributions, plus actual earnings thereon are vested through a 6-year graded vesting plan.
- Participants must complete at least 1,000 hours during a vesting computation period to receive credit for that year.
- The schedule for vesting is 0-1 year at 0%, 2 years at 20%, 3 years at 40%, 4 years at 60%, 5 years at 80% and 6 years at 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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