INGENUITY PREP 401K Contribution & Employer Match
How INGENUITY PREP Supports Your Retirement Savings
INGENUITY PREP provides retirement savings benefits through INGENUITY PREP 401K. 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.
INGENUITY PREP 401K Average Participant Retirement Account Value
INGENUITY PREP 401K Estimated Average Employee Contribution Amount
176,399.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,756.00 in INGENUITY PREP 401K, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INGENUITY PREP 401K
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.
INGENUITY PREP 401K Total Employer Contribution and Match Rate
INGENUITY PREP 401K Estimated Average Employer Match
Investing in this additonal $959.00 for 20 years would give you extra $61,426.00, 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.
INGENUITY PREP 401K Contribution & Match Policy
INGENUITY PREP 401K Contribution, Match and Other Plan Policies
- For 2024 and 2023, participants may make a pre-tax contribution up to $23,000 and $22,500, respectively, of their total annual compensation, as defined in the Plan and as limited by Federal tax law.
- In addition, if a participant attains age 50 at any time before the close of the plan year and is making deferral contributions to the Plan, they are eligible to make additional catch-up contributions for 2024 and 2023 of $7,500 to the Plan.
- Beginning on August 1, 2022, an automatic deferral provision was implemented.
- The automatic deferral percentage is 1% of eligible compensation.
- For the 2024 and 2023 years, participants became eligible for matching contributions only if they made deferral contributions.
- Each year, the employer contributes 100% of the deferral contribution subject to a maximum of 3% of eligible compensation contributed to the Plan.
- Vesting schedule: Years of Service Vested %
- 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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