STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

How STRATEGIC ALPHA INC. Supports Your Retirement Savings

STRATEGIC ALPHA INC. provides retirement savings benefits through STRATEGIC ALPHA INC. 401(K) 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.

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN is $470,467.00

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN is $11,438.00. 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.
732,066.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,438.00 in STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in STRATEGIC ALPHA INC. 401(K) 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.

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN allocates $937,261.00 to match its employees’ contributions, providing an employer match rate of 59.16% of their contributions

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN is approximately $6,647.00
Investing in this additonal $6,647.00 for 20 years would give you extra $425,423.00, 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.

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Plan Policies

STRATEGIC ALPHA INC. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Eligible employees may elect to contribute an amount or percentage of their pre-tax annual compensation, subject to limitations established by the Internal Revenue Code ("IRC").
  • The Plan includes an auto enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan, unless they affirmatively elect not to participate, with a default rate set at 4% of eligible compensation.
  • Employees who are automatically enrolled will be automatically increased by 1% annually up to a maximum of 10% of eligible compensation.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company makes a safe-harbor Employer matching contribution each pay period of 100% of a participant’s elective deferral percentage up to 4%.
  • For the 2024 Plan year, the Company made safe-harbor Employer matching contributions amounting to $777,572.
  • Additionally, the Company may make a discretionary profit sharing contribution in an amount to be determined annually, based on a discretionary formula.
  • Participants are immediately vested in their voluntary contributions and the Company’s safe-harbor contribution, plus actual earnings thereon. For any discretionary profit sharing contributions, an employee will vest as follows: Years of Service Vesting
  • Less than 2 years: 0%
  • 2-3 years: 20%
  • 3-4 years: 40%
  • 4-5 years: 60%
  • 5-6 years: 80%

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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