IONQ 401(K) PLAN Contribution & Employer Match

How IONQ, INC. Supports Your Retirement Savings

IONQ, INC. provides retirement savings benefits through IONQ 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.

IONQ 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for IONQ 401(K) PLAN is $75,016.00

IONQ 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for IONQ 401(K) PLAN is $30,794.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
1,970,843.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 30,794.00 in IONQ 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in IONQ 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.

IONQ 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, IONQ 401(K) PLAN allocates $2,432,020.00 to match its employees’ contributions, providing an employer match rate of 47.72% of their contributions

IONQ 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in IONQ 401(K) PLAN is approximately $7,347.00
Investing in this additonal $7,347.00 for 20 years would give you extra $470,239.00, 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.

IONQ 401(K) PLAN Contribution & Match Policy

IONQ 401(K) PLAN Plan Policies

IONQ 401(K) 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 Company makes a stated matching contribution of 100% of the participant deferral up to 5% of compensation.
  • Participants are immediately 100% vested in their contributions and actual earnings thereon.
  • The method for crediting vesting service for Company matching and profit sharing contributions is based on vesting periods of service.
  • For profit sharing contributions, a participant is 20 percent vested after being credited with two years of service, increasing by 20 percent after each additional year of service until the participant is 100 percent vested after six years of service Effective September 1, 2023, a participant is 50 percent in the Company match portion of their accounts after 1 year of service, and becomes fully vested after attaining two years of service.
  • Prior to September 1, 2023, a participant was 20 percent vested in the Company match portion of their accounts after being credited with two years of service, increasing by 20 percent after each additional year of service until the participant is 100 percent vested after six years of service.
  • 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.

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:

 20242025
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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