SPIGOT, INC. 401(K) PLAN Contribution & Employer Match

How EIGHTPOINT INTERACTIVE, INC. Supports Your Retirement Savings

EIGHTPOINT INTERACTIVE, INC. provides retirement savings benefits through SPIGOT, INC. 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.

SPIGOT, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SPIGOT, INC. 401(K) PLAN is $83,760.00

SPIGOT, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SPIGOT, INC. 401(K) PLAN is $13,402.00. 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.
857,768.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,402.00 in SPIGOT, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SPIGOT, INC. 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.

SPIGOT, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, SPIGOT, INC. 401(K) PLAN allocates $504,353.00 to match its employees’ contributions, providing an employer match rate of 57.45% of their contributions

SPIGOT, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SPIGOT, INC. 401(K) PLAN is approximately $3,850.00
Investing in this additonal $3,850.00 for 20 years would give you extra $246,401.00, 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.

SPIGOT, INC. 401(K) PLAN Contribution & Match Policy

SPIGOT, INC. 401(K) PLAN Plan Policies

SPIGOT, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100% of their compensation to their participant account subject to limitations imposed by the Internal Revenue Code ("IRC").
  • The maximum participant deferral for the year ended December 31, 2024 was $22,500.
  • A participant who has attained the age of 50 may also make catch up contributions, subject to Internal Revenue Service ("IRS") limitations of $7,500 for the year ended December 31, 2024.
  • Participants may also contribute amounts representing distributions from other qualified plans.
  • Roth contributions are permitted as well.
  • Under this feature, eligible employees are automatically enrolled at a 3% deferral rate.
  • The Plan has elected to operate under safe harbor provisions.
  • Accordingly, the Employer provides a safe harbor matching contribution equal to 100% of the first 3% of employee salary deferrals plus 50% of the next 2% of salary deferrals.
  • Vesting schedule:
  • Less than 2 years: 0%

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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