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

How STEM, INC. Supports Your Retirement Savings

STEM, INC. provides retirement savings benefits through STEM, 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.

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

In 2024, the average participant retirement account value for STEM, INC. 401(K) PLAN is $60,731.00

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

In 2024, the estimated average employee contribution amount per participant for STEM, INC. 401(K) PLAN is $11,901.00. 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.
761,702.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,901.00 in STEM, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in STEM, 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.

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

In 2024, STEM, INC. 401(K) PLAN allocates $1,969,879.00 to match its employees’ contributions, providing an employer match rate of 41.64% of their contributions

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

In 2024, the estimated average employer match for an employee in STEM, INC. 401(K) PLAN is approximately $3,384.00
Investing in this additonal $3,384.00 for 20 years would give you extra $216,618.00, 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.

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

STEM, INC. 401(K) PLAN Plan Policies

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

  • Each year, participants may contribute an amount of eligible pre-tax annual compensation as defined in the Plan agreement, not to exceed the maximum statutory amount.
  • The Plan allows for ROTH deferral contributions.
  • Participants who are age 50 or older can elect to make catch-up contributions to the Plan, not to exceed the maximum statutory amount.
  • Participants may also contribute amounts representing distributions from other qualified eligible plans.
  • The Plan allows for In-Plan ROTH conversions subject to certain limitations and in accordance with Plan provisions.
  • The Plan allows for an employer safe harbor matching contribution subject to certain eligibility requirements.
  • In 2024 and 2023, the Company matched 100% of a participant’s salary deferrals up to the first 3% of the participant’s eligible compensation and 50% of the next 2% of the participant’s eligible compensation.
  • Participants are 100% vested in their accounts at all times.

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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