RIVA SOLUTIONS 401(K) PLAN Contribution & Employer Match

How RIVA SOLUTIONS, INC. Supports Your Retirement Savings

RIVA SOLUTIONS, INC. provides retirement savings benefits through RIVA SOLUTIONS 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.

RIVA SOLUTIONS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RIVA SOLUTIONS 401(K) PLAN is $29,368.00

RIVA SOLUTIONS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RIVA SOLUTIONS 401(K) PLAN is $3,935.00. 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.
251,840.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,935.00 in RIVA SOLUTIONS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RIVA SOLUTIONS 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.

RIVA SOLUTIONS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, RIVA SOLUTIONS 401(K) PLAN allocates $793,340.00 to match its employees’ contributions, providing an employer match rate of 42.58% of their contributions

RIVA SOLUTIONS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RIVA SOLUTIONS 401(K) PLAN is approximately $1,706.00
Investing in this additonal $1,706.00 for 20 years would give you extra $109,190.00, 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.

RIVA SOLUTIONS 401(K) PLAN Contribution & Match Policy

RIVA SOLUTIONS 401(K) PLAN Plan Policies

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

  • The maximum dollar amount each participant may contribute annually on a pre-tax basis is $23,000 in 2024 as defined in the Plan.
  • Additional contributions of up to $7,500 in 2024 are allowed for participants who are over age fifty by December 31, 2024.
  • The Plan includes a safe harbor match contribution formula equal to, and not to exceed, 100% of the first 4% of participant compensation.
  • Safe harbor and matching – Participants are immediately vested in their safe harbor and matching contributions plus actual earnings thereon.
  • 401(K) & Roth salary deferrals and rollovers – Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • A participant becomes fully vested automatically, regardless of the vesting schedule, upon attainment of normal retirement age, upon retirement due to disability, upon death, and upon termination of the Plan.
  • The Plan defines normal retirement age as the date a participant reaches age 65.

RIVA SOLUTIONS 401(K) PLAN Maximum Employer Match Calculator

This calculator helps participants of RIVA SOLUTIONS 401(K) 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:

 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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