MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Contribution & Employer Match
How MICRON TECHNOLOGY, INC. Supports Your Retirement Savings
MICRON TECHNOLOGY, INC. provides retirement savings benefits through MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) 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.
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Average Participant Retirement Account Value
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Estimated Average Employee Contribution Amount
666,393.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,412.00 in MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) 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.
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Total Employer Contribution and Match Rate
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Estimated Average Employer Match
Investing in this additonal $5,052.00 for 20 years would give you extra $323,332.00, 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.
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Contribution & Match Policy
MICRON TECHNOLOGY INC. RETIREMENT AT MICRON (RAM) PLAN Contribution, Match and Other Plan Policies
- Participants are automatically enrolled at 6% (unless they choose to opt-out), but may elect to defer up to 75% of their eligible compensation through payroll deductions subject to Internal Revenue Code (IRC) limitations.
- The employee contribution for any active participant who was automatically enrolled will increase 1% each year until the contribution is 15% of the participant’s eligible compensation or a different election is made by the participant.
- Contributions can be made on a pre-tax, Roth, or after-tax basis.
- Employees who were age 50 or more during the Plan year were allowed to make additional catch-up contributions subject to IRC limitations.
- For the year ended December 31, 2024, employer matching contributions were equal to 100% of the Participants’ contributions up to 5% of eligible compensation.
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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