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

How THORLABS, INC. Supports Your Retirement Savings

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

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

In 2024, the average participant retirement account value for THORLABS, INC. 401(K) RETIREMENT PLAN is $71,092.00

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

In 2024, the estimated average employee contribution amount per participant for THORLABS, INC. 401(K) RETIREMENT PLAN is $10,033.00. 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.
642,157.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,033.00 in THORLABS, INC. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THORLABS, 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.

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

In 2024, THORLABS, INC. 401(K) RETIREMENT PLAN allocates $4,018,862.00 to match its employees’ contributions, providing an employer match rate of 38.00% of their contributions

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

In 2024, the estimated average employer match for an employee in THORLABS, INC. 401(K) RETIREMENT PLAN is approximately $1,906.00
Investing in this additonal $1,906.00 for 20 years would give you extra $122,014.00, 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.

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

THORLABS, INC. 401(K) RETIREMENT PLAN Plan Policies

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

  • Participants may elect to contribute up to 100% of their pre-tax or post-tax (including Roth) annual compensation, as defined in the Plan, subject to certain limitations of the Internal Revenue Code (the IRC).
  • The Plan has an auto-enrollment policy under a qualified automatic contribution arrangement (QACA).
  • This policy automatically enrolls all new participants into the Plan after completing one month of service at 3% of their eligible salary.
  • If new participants do not make a deferral election, the initial deferral rate will increase 1% annually until 6% deferral is reached.
  • Participants who have attained the age of 50 before the end of the Plan year were eligible to make catch-up contributions up to $7,500 in 2024 and 2023.
  • The Company’s matching contribution for the year ended December 31, 2024 is 100% on the first 1% of the deferral (dollar for dollar match) and 50 cents on the dollar on the next 5% of deferral.
  • Vesting schedule: 1 year of credited service: 50% 2 years of credited service: 100% Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Company’s matching contributions is based on years of service.

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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