MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN Contribution & Employer Match
How MONOLITHIC POWER SYSTEMS, INC. Supports Your Retirement Savings
MONOLITHIC POWER SYSTEMS, INC. provides retirement savings benefits through MONOLITHIC POWER SYSTEMS, 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.
MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value
MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
1,139,407.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 17,803.00 in MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MONOLITHIC POWER SYSTEMS, 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.
* 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.
MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN Contribution & Match Policy
MONOLITHIC POWER SYSTEMS, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute an amount of eligible pre-tax annual compensation as defined in the Plan agreement, not to exceed the maximum statutory amount.
- The Plan allows for ROTH deferral contributions.
- Participants who are age 50 or older can elect to make catch-up contributions to the Plan, not to exceed the maximum statutory amount.
- The Plan allows for an employer discretionary matching contribution and an employer discretionary nonelective contribution subject to certain eligibility requirements; none were made for the year ended December 31, 2024.
- Participants are 100% vested in their contributions and rollover amounts plus actual earnings thereon.
- Effective October 10, 2024, participants are 100% vested in the Company’s discretionary matching contributions.
- Prior to October 10, 2024, vesting in the Company’s discretionary matching contributions was based on years of credited service at 20% per year starting at the end of second year and full vesting at the end of the sixth year.
- Vesting in the discretionary nonelective contributions and earnings is based on years of credited service at 20% per year starting at the end of the second year and full vesting at the end of the sixth year.
- Participants become fully vested in the event of death, disability, retirement age, or plan termination.
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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