SQUARE 401(K) PLAN Contribution & Employer Match
How SQUARE, INC. Supports Your Retirement Savings
SQUARE, INC. provides retirement savings benefits through SQUARE 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.
SQUARE 401(K) PLAN Average Participant Retirement Account Value
SQUARE 401(K) PLAN Estimated Average Employee Contribution Amount
923,281.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,426.00 in SQUARE 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SQUARE 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.
SQUARE 401(K) PLAN Total Employer Contribution and Match Rate
SQUARE 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $4,537.00 for 20 years would give you extra $290,374.00, 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.
SQUARE 401(K) PLAN Contribution & Match Policy
1. Employee Contribution Rates: 1% to 75% of pretax annual compensation; participants under age 50 may contribute up to 65% of annual compensation; participants age 50 or older may contribute up to 75% of annual compensation.
2. Employer Match/Contribution Conditions: The company matches 100% of employee pre-tax and Roth contributions, up to $2,000, and 50% of employee pre-tax and Roth contributions, up to an additional $3,000 for a maximum of $5,000.
3. Vesting Schedule/Eligibility: Participants are vested immediately in their contributions and the employer discretionary matching contributions, plus actual earnings thereon. Eligibility requires participants to be employees of the company and at least 18 years old.
4. Roth 401(k) contribution: Yes.
SQUARE 401(K) PLAN Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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:
| 2024 | 2025 | |
|---|---|---|
| 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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