MEMORYBLUE RETIREMENT TRUST Contribution & Employer Match
How MEMORYBLUE, INC. Supports Your Retirement Savings
MEMORYBLUE, INC. provides retirement savings benefits through MEMORYBLUE RETIREMENT TRUST. 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.
MEMORYBLUE RETIREMENT TRUST Average Participant Retirement Account Value
MEMORYBLUE RETIREMENT TRUST Estimated Average Employee Contribution Amount
180,271.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,816.00 in MEMORYBLUE RETIREMENT TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MEMORYBLUE RETIREMENT TRUST
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.
MEMORYBLUE RETIREMENT TRUST Total Employer Contribution and Match Rate
MEMORYBLUE RETIREMENT TRUST Estimated Average Employer Match
Investing in this additonal $1,161.00 for 20 years would give you extra $74,321.00, 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.
MEMORYBLUE RETIREMENT TRUST Contribution & Match Policy
MEMORYBLUE RETIREMENT TRUST Contribution, Match and Other Plan Policies
- Participants may elect to defer up to 100% of pre-tax and post-tax compensation, not to exceed the maximum allowable amount defined by the Internal Revenue Service.
- The Company provides safe harbor matching contributions as of each payroll period.
- The Company may also make discretionary nonelective contributions.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s contribution portion of their accounts plus actual earnings thereon is based on eligible years of service.
- A participant is 100% vested in safe harbor matching contributions after two years of credited service.
- A participant is 20% vested in nonelective contributions after two years of service is completed and vests an additional 20% per year until fully vested.
- A participant is fully vested after six years of vesting service.
- In addition, participants become 100% vested in the case of death, permanent disability or upon attaining the age of 65.
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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