OPENAI LP 401(K) PLAN Contribution & Employer Match
How OPENAI LP Supports Your Retirement Savings
OPENAI LP provides retirement savings benefits through OPENAI LP 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.
OPENAI LP 401(K) PLAN Average Participant Retirement Account Value
OPENAI LP 401(K) PLAN Estimated Average Employee Contribution Amount
1,982,301.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 30,973.00 in OPENAI LP 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OPENAI LP 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.
OPENAI LP 401(K) PLAN Total Employer Contribution and Match Rate
OPENAI LP 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $13,334.00 for 20 years would give you extra $853,402.00, 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.
OPENAI LP 401(K) PLAN Contribution & Match Policy
Employee Contributions:
- Participants can contribute up to 100% of annual compensation through pre-tax salary reductions or Roth post-tax deductions.
- Participants aged 50 and above can make additional catch-up contributions.
- Participants can contribute rollovers from other qualified defined contribution or defined benefit plans.
- Automatic enrollment is set at 4% of compensation, unless participants opt-out or choose a different rate.
- Participants can adjust their deferral rate or discontinue contributions at any time.
Employer Match (Company Contributions):
- The Company makes safe harbor contributions equal to 100% of participant contributions, up to 4% of participant total annual compensation.
- The Company may also make discretionary profit-sharing contributions, but none were made in 2023.
Vesting Periods:
- Participants are fully (100%) vested in their account balances immediately, with no vesting period.
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.
Get Key Insights for This Plan
Join our community and get data-driven insights about OPENAI LP 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Target’s 401(k) Review: 100% Match on 5% with Immediate Vesting
- Eversource 401(k) Plan Review: Choose Your Match — 3% or 8%, Immediate Vesting Either Way
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching OPENAI LP 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- PARATEK PHARMACEUTICALS, INC. PROFIT SHARING 401(K) PLAN (384 participants, $47,915,498)
- NIO USA, INC. 401(K) PLAN (385 participants, $29,439,244)
- BICO GROUP 401(K) PLAN (385 participants, $28,285,019)
- NEURALINK CORP. 401(K) PROFIT SHARING PLAN AND TRUST (385 participants, $12,889,483)
- GST, INC. P/S 401(K) PLAN (385 participants, $80,258,563)