SIMPLIFI 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How SIMPLIFI HOLDINGS, LLC Supports Your Retirement Savings

SIMPLIFI HOLDINGS, LLC provides retirement savings benefits through SIMPLIFI 401(K) PROFIT SHARING 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.

SIMPLIFI 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SIMPLIFI 401(K) PROFIT SHARING PLAN is $89,639.00

SIMPLIFI 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SIMPLIFI 401(K) PROFIT SHARING PLAN is $11,859.00. 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.
758,982.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,859.00 in SIMPLIFI 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SIMPLIFI 401(K) PROFIT SHARING 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.

SIMPLIFI 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, SIMPLIFI 401(K) PROFIT SHARING PLAN allocates $3,600,754.00 to match its employees’ contributions, providing an employer match rate of 59.36% of their contributions

SIMPLIFI 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SIMPLIFI 401(K) PROFIT SHARING PLAN is approximately $5,358.00
Investing in this additonal $5,358.00 for 20 years would give you extra $342,928.00, 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.

SIMPLIFI 401(K) PROFIT SHARING PLAN Contribution & Match Policy

SIMPLIFI 401(K) PROFIT SHARING PLAN Plan Policies

SIMPLIFI 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 75% of their annual compensation as long as they are within the limitations imposed by the Internal Revenue Code (IRC) as defined by the plan document.
  • Participants may designate all or a portion of their elective deferrals as after-tax Roth contributions.
  • Eligible participants are also allowed to make rollover contributions to the Plan.
  • Participants who are eligible to make salary deferral contributions under the Plan and who have attained age 50 before the close of the year may make catch-up contributions in accordance with, and subject to, the limitations imposed by the IRC.
  • The plan document, as of August 9, 2021, includes an automatic deferral feature whereby a participant is treated as electing to defer 5% of eligible compensation unless the participant made an affirmative election otherwise.
  • The automatic deferral feature also provides for an annual increase in the percentage deferred and is ultimately capped at 10%.
  • Beginning January 1, 2021, the Company made discretionary employer matching contributions of 100% of the first 5% of the eligible participant’s compensation contributed to the Plan.
  • Participants are immediately vested in their voluntary contributions plus earnings thereon.
  • Participants are immediately vested in the Company’s safe harbor contributions and qualified nonelective contributions (QNEC) plus earnings thereon.
  • Vesting in the Company’s discretionary employer matching contribution portion of their accounts plus earnings thereon is based on years of continuous service.
  • A participant is fully vested after three years of continuous service.

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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