GALOIS INC 401K PLAN AND TRUST Contribution & Employer Match
How GALOIS, INC. Supports Your Retirement Savings
GALOIS, INC. provides retirement savings benefits through GALOIS INC 401K PLAN AND TRUST. 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.
GALOIS INC 401K PLAN AND TRUST Average Participant Retirement Account Value
GALOIS INC 401K PLAN AND TRUST Estimated Average Employee Contribution Amount
695,345.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,864.00 in GALOIS INC 401K PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GALOIS INC 401K PLAN AND TRUST
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.
GALOIS INC 401K PLAN AND TRUST Total Employer Contribution and Match Rate
GALOIS INC 401K PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $5,398.00 for 20 years would give you extra $345,489.00, 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.
GALOIS INC 401K PLAN AND TRUST Contribution & Match Policy
GALOIS INC 401K PLAN AND TRUST Contribution, Match and Other Plan Policies
- The Plan includes a salary deferral provision which provides for both pre-tax contributions and after-tax Roth 401(k) contributions.
- Participants may elect to defer up to 100% of their eligible compensation, subject to current Internal Revenue Code (IRC) limitations.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Effective January 1, 2024 the Plan was amended to include an auto-enrollment provision, whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- In conjunction with this amendment, the Plan also implemented a special enrollment whereby all active participants meeting the eligibility requirements of the Plan as of January 1, 2024 who had not yet made a deferral election were automatically enrolled unless they affirmatively elected not to participate.
- Automatically enrolled participants have their deferral rate set at 5% of their eligible compensation, and such contributions are invested in a designated balanced fund changed by the participant.
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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