FYE 401(K) SAVINGS PLAN Contribution & Employer Match
How 2428392, INC DBA FYE Supports Your Retirement Savings
2428392, INC DBA FYE provides retirement savings benefits through FYE 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.
FYE 401(K) SAVINGS PLAN Average Participant Retirement Account Value
FYE 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
9,585.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 149.00 in FYE 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FYE 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.
* 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.
FYE 401(K) SAVINGS PLAN Contribution & Match Policy
FYE 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute a percentage or fixed dollar amount of their pre-tax annual compensation, subject to certain limitations as defined by the Plan and the Internal Revenue Code (IRC).
- In addition, participants may contribute after-tax Roth elective contributions to the Plan.
- The maximum participant deferral was $23,000 and $22,500 for the years ended December 31, 2024 and 2023, respectively.
- Participants who have reached age 50 before the end of the Plan year are eligible to make catch-up contributions up to a maximum of $7,500 for both years ended December 31, 2024 and 2023.
- The Company may contribute a discretionary matching contribution to the Plan.
- There were no discretionary matching contributions made during the years ended December 31, 2024 or 2023.
- Participants are 100% immediately vested in their elective deferral amounts and rollover contributions, plus earnings thereon. Vesting in the Company’s discretionary matching contributions is based on years of service. A participant is 100% vested upon: (1) disability, (2) death, (3) normal retirement at age 55, or (4) termination of the Plan. Vesting in the Company’s discretionary matching contributions is as follows: Years of Service Vesting %
- Less than 2 years: 0%
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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