OPORTUN 401(K) PLAN Contribution & Employer Match

How OPORTUN, INC. Supports Your Retirement Savings

OPORTUN, INC. provides retirement savings benefits through OPORTUN 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.

OPORTUN 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for OPORTUN 401(K) PLAN is $57,855.00

OPORTUN 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for OPORTUN 401(K) PLAN is $3,272.00. 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.
209,437.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,272.00 in OPORTUN 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in OPORTUN 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.

* 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.

OPORTUN 401(K) PLAN Contribution & Match Policy

OPORTUN 401(K) PLAN Plan Policies

OPORTUN 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may make contributions to the Plan through pre-tax and Roth post-tax salary contributions up to 80% of their annual compensation, as defined in the Plan agreement.
  • Participants who have reached the age 50 may also elect to withhold additional catch-up contributions under the Code.
  • Effective June 1, 2024, the Plan implemented an automatic enrollment feature under which all eligible employees hired or rehired are automatically enrolled in the Plan and have 5% of their pre-tax compensation deferred and contributed to the Plan, unless they request a different amount to be contributed or formally decline participation.
  • Through December 31, 2023, the Company made safe harbor matching contributions to the Plan calculated at 100% of participant elected deferrals, up to a maximum of 4% of eligible compensation.
  • Effective January 1, 2024, the Plan sponsor suspended safe harbor matching contributions.
  • (Note: No match as of 2024)

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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