ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Contribution & Employer Match
How ARCTURUS THERAPEUTICS, INC. Supports Your Retirement Savings
ARCTURUS THERAPEUTICS, INC. provides retirement savings benefits through ARCTURUS THERAPEUTICS, 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.
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Average Participant Retirement Account Value
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
1,022,137.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 15,970.00 in ARCTURUS THERAPEUTICS, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ARCTURUS THERAPEUTICS, 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.
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Total Employer Contribution and Match Rate
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,634.00 for 20 years would give you extra $104,618.00, 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.
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Contribution & Match Policy
ARCTURUS THERAPEUTICS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Eligible participants may contribute up to 100% of pretax eligible compensation as defined by the Plan.
- Participants may elect to have all or a portion of their contributions be Roth elective deferrals (after-tax) when contributed to the Plan.
- In addition, employees who are age 50 or older can elect to defer additional amounts (called "catch-up" contributions) to the Plan.
- The Plan has adopted automatic enrollment provisions such that employees who have not made an affirmative elective deferral request, including a zero-deferral election, shall automatically have 6% of their eligible pre-tax compensation deferred into the Plan.
- For 2024, the discretionary employer matching contribution is determined each payroll period and is equal to 50% of a participant’s deferral contributions, subject to a maximum annual discretionary employer matching contribution of $2,500.
- Vesting schedule:
- 6+ years: 100%
- In addition, upon reaching normal retirement age (65), or in the event of death or disability (as defined), employed participants become 100% vested in their accounts.
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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