SRI INTERNATIONAL BASIC RETIREMENT PLAN Contribution & Employer Match
How SRI INTERNATIONAL Supports Your Retirement Savings
SRI INTERNATIONAL provides retirement savings benefits through SRI INTERNATIONAL BASIC RETIREMENT 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.
SRI INTERNATIONAL BASIC RETIREMENT PLAN Average Participant Retirement Account Value
SRI INTERNATIONAL BASIC RETIREMENT PLAN Estimated Average Employee Contribution Amount
27,081.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 423.00 in SRI INTERNATIONAL BASIC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SRI INTERNATIONAL BASIC RETIREMENT 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.
SRI INTERNATIONAL BASIC RETIREMENT PLAN Total Employer Contribution and Match Rate
SRI INTERNATIONAL BASIC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,832.00 for 20 years would give you extra $117,251.00, 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.
SRI INTERNATIONAL BASIC RETIREMENT PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees may contribute a minimum of 0.01% of eligible compensation on a pre-tax or on a Roth after-tax basis, up to an annual maximum of $20,500 for 2022, limited to 75% of eligible compensation.
2. Employer Match/Contribution Conditions: The employer will match contributions for New Jersey employees working a schedule of 1,000 or more hours in an anniversary year, equal to 50% of the participant’s elective deferrals, but not exceeding contributions on any participant’s elective deferral that exceeds 4% of the participant’s annual compensation, resulting in a maximum match of 2% of the participant’s annual compensation.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their own contributions and the related employer matching contributions. Participants vest in other employer contributions as follows: 20% after 2 years, 40% after 3 years, 60% after 4 years, 80% after 5 years, and 100% after 6 years. Years of service completed prior to age 18 do not count toward vesting, and participants who attain age 65 or die while employed will become fully vested in their accounts.
4. Roth 401(k) contribution: Yes, it allows Roth 401(k) contributions.
SRI INTERNATIONAL BASIC RETIREMENT 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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