CBOE GLOBAL MARKETS SMART PLAN Contribution & Employer Match
How CBOE SERVICES CO. Supports Your Retirement Savings
CBOE SERVICES CO. provides retirement savings benefits through CBOE GLOBAL MARKETS SMART 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.
CBOE GLOBAL MARKETS SMART PLAN Average Participant Retirement Account Value
CBOE GLOBAL MARKETS SMART PLAN Estimated Average Employee Contribution Amount
795,232.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,425.00 in CBOE GLOBAL MARKETS SMART PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CBOE GLOBAL MARKETS SMART 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.
CBOE GLOBAL MARKETS SMART PLAN Total Employer Contribution and Match Rate
CBOE GLOBAL MARKETS SMART PLAN Estimated Average Employer Match
Investing in this additonal $9,924.00 for 20 years would give you extra $635,197.00, 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.
CBOE GLOBAL MARKETS SMART PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 50% of their compensation on a pre-tax or after-tax “Roth” basis, subject to Internal Revenue Code (“IRC”) limitations.
2. Employer Match/Contribution Conditions: The Company matches participant contributions equal to 200% of each participant’s elective deferral contributions up to 4% of eligible compensation, for a maximum match of 8%.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their deferral and rollover contributions. Participants become 100% vested in the Company’s contributions upon death, total and permanent disability, or attainment of normal or early retirement age. To receive the Company discretionary non-elective contribution, an employee must have completed 1 year of service and be employed on the last day of the plan year.
4. Roth 401(k) Contribution: Yes, the plan allows Roth 401(k) contributions.
CBOE GLOBAL MARKETS SMART PLAN Maximum Employer Match Calculator
This calculator helps participants of CBOE GLOBAL MARKETS SMART PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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