JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Contribution & Employer Match
How JANUS CAPITAL GROUP INC. Supports Your Retirement Savings
JANUS CAPITAL GROUP INC. provides retirement savings benefits through JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP 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.
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Average Participant Retirement Account Value
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Estimated Average Employee Contribution Amount
583,606.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,118.00 in JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP 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.
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Total Employer Contribution and Match Rate
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Estimated Average Employer Match
Investing in this additonal $5,536.00 for 20 years would give you extra $354,352.00, 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.
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 75% of their annual compensation, subject to certain limitations, and up to 25% of their annual base salary in after-tax contributions.
2. Employer Match/Contribution Conditions: The Sponsor contributes to the 401(k) portion of the Plan a matching contribution equal to 100% of each participant’s eligible contribution up to 5% of the participant’s compensation.
3. Vesting Schedule/Eligibility: Participants are always 100% vested in their own contributions. The vesting percentage for discretionary employer contributions is based on years of service, with 20% after 1 year, 40% after 2 years, 60% after 3 years, 80% after 4 years, and 100% after 5 years. Eligible employees must have worked at least 1,000 hours during the year.
4. Roth 401(k) Contribution: Yes, the plan consists of a Roth 401(k) component.
JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN Maximum Employer Match Calculator
This calculator helps participants of JANUS 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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