EJ USA, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

How EJ USA, INC. Supports Your Retirement Savings

EJ USA, INC. provides retirement savings benefits through EJ USA, INC. 401(K) SAVINGS 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.

EJ USA, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for EJ USA, INC. 401(K) SAVINGS PLAN is $152,771.00

EJ USA, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for EJ USA, INC. 401(K) SAVINGS PLAN is $6,661.00. 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.
426,326.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,661.00 in EJ USA, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in EJ USA, INC. 401(K) SAVINGS 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.

EJ USA, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, EJ USA, INC. 401(K) SAVINGS PLAN allocates $6,457,479.00 to match its employees’ contributions, providing an employer match rate of 61.28% of their contributions

EJ USA, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in EJ USA, INC. 401(K) SAVINGS PLAN is approximately $4,102.00
Investing in this additonal $4,102.00 for 20 years would give you extra $262,565.00, 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.

EJ USA, INC. 401(K) SAVINGS PLAN Contribution & Match Policy

EJ USA, INC. 401(K) SAVINGS PLAN Plan Policies

EJ USA, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for automatic enrollment to have elective deferral contributions made once an employee is eligible to participate unless the employee elects not to participate.
  • The automatic elective deferral contribution shall be pre-tax contributions and is equal to 6% of compensation, as defined by the Plan.
  • The automatic elective deferral contribution is automatically increased each April 1 by 1% up to a maximum automatic elective deferral contribution of 12%.
  • Changes to the contribution percentage may be made as of the beginning of each payroll period.
  • Participants may designate all or a portion of their elective deferral as after-tax Roth contributions.
  • The Company’s matching contribution is 100% of elective contributions that are not over 3% of compensation, plus 50% of elective contributions that are over 3% of compensation but are not over 6% of compensation.
  • The Company may also make discretionary matching contributions equal to a percentage of elective deferral contributions.
  • The percentage of elective contributions matched, if any, shall be a percentage as determined by the Company; however, the match will not exceed 4% of compensation.
  • In 2024 and 2023, the Company made a discretionary contribution of 1.50% of compensation for all eligible participants.

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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