VIRTU FINANCIAL LLC 401K PLAN Contribution & Employer Match
How VIRTU FINANCIAL OPERATING LLC Supports Your Retirement Savings
VIRTU FINANCIAL OPERATING LLC provides retirement savings benefits through VIRTU FINANCIAL LLC 401K 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.
VIRTU FINANCIAL LLC 401K PLAN Average Participant Retirement Account Value
VIRTU FINANCIAL LLC 401K PLAN Estimated Average Employee Contribution Amount
996,542.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 15,570.00 in VIRTU FINANCIAL LLC 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in VIRTU FINANCIAL LLC 401K 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.
* 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.
VIRTU FINANCIAL LLC 401K PLAN Contribution & Match Policy
1. Employee Contribution Rates: Up to 75% of eligible annual compensation.
2. Employer Match/Contribution Conditions: Non-discretionary matching contribution with 0% vesting after 0 years and 100% vesting after 1+ years of service.
3. Vesting Schedule/Eligibility: Immediate vesting for employee contributions; employer contributions vest at 0% after 0 years and 100% after 1+ years of service.
4. Roth 401(k) contribution: Yes, it allows Roth elective deferrals and Roth rollover contributions.
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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