SAGIS 401(K) PLAN Contribution & Employer Match

How SAGIS, PLLC Supports Your Retirement Savings

SAGIS, PLLC provides retirement savings benefits through SAGIS 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.

SAGIS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SAGIS 401(K) PLAN is $23,527.00

SAGIS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SAGIS 401(K) PLAN is $9,122.00. 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.
583,842.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,122.00 in SAGIS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SAGIS 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.

SAGIS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, SAGIS 401(K) PLAN allocates $662,051.00 to match its employees’ contributions, providing an employer match rate of 47.13% of their contributions

SAGIS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SAGIS 401(K) PLAN is approximately $2,149.00
Investing in this additonal $2,149.00 for 20 years would give you extra $137,569.00, 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.

SAGIS 401(K) PLAN Contribution & Match Policy

SAGIS 401(K) PLAN Plan Policies

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

  • Participants may elect to make pre-tax and/or Roth salary deferral contributions up to 90% of eligible compensation and not to exceed the maximum allowed under the appropriate sections of the Internal Revenue Code (IRC).
  • The Plan has adopted a qualified automatic contribution arrangement (QACA).
  • Eligible employees who have not enrolled in the Plan or declined participation will be automatically enrolled at a pre-tax salary deferral rate of 3%.
  • Participants automatically enrolled under QACA will have their deferrals increased by 1% on the first day of each plan year up to a maximum of 10%.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan allows rollover contributions from other qualified retirement plans.
  • The Company will make a QACA ADP safe harbor nonelective contribution equal to 3% of each eligible employee’s eligible compensation for the plan year.
  • The Company may also make a discretionary QACA ACP safe harbor matching contribution calculated on a plan year basis.
  • The Company did not make any discretionary QACA ACP safe harbor matching or profit sharing contributions for 2024.
  • Participants are at all times fully vested in their contributions and appreciation or depreciation thereon.
  • Vesting in the Company contributions portion of their accounts plus earnings thereon is based on years of service.
  • Participants become 100% vested in their QACA ADP safe harbor nonelective contributions after two years of service.
  • Participants vest in their discretionary QACA ACP safe harbor matching and profit sharing contributions 20% per year after two years of service and are 100% vested after six years of service.
  • A participant shall be immediately vested upon death, normal retirement age or termination of employment due to total and permanent disability.

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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