SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

How SET ENVIRONMENTAL, INC. Supports Your Retirement Savings

SET ENVIRONMENTAL, INC. provides retirement savings benefits through SET ENVIRONMENTAL, 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.

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN is $59,187.00

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN is $5,605.00. 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.
358,733.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,605.00 in SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SET ENVIRONMENTAL, 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.

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN allocates $429,992.00 to match its employees’ contributions, providing an employer match rate of 11.57% of their contributions

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN is approximately $577.00
Investing in this additonal $577.00 for 20 years would give you extra $36,988.00, 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.

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Contribution & Match Policy

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Plan Policies

SET ENVIRONMENTAL, INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 90% of pretax annual compensation (salary reduction contributions), as defined in the plan document.
  • Age 50 and over participants could contribute an additional $7,500 in 2024.
  • Eligible employees are automatically enrolled into the Plan at a contribution rate of 6% of pretax compensation.
  • Unless eligible employees opt out of the automatic enrollment contribution, the deferral percentage will be increased annually by 1% of pretax compensation, up to a maximum of 15%.
  • Effective January 1, 2024, the Company, at its discretion, may also make an employer-matching contribution.
  • As approved by the Company’s Board of Directors, a discretionary employer-matching contribution of $429,992 was made for the year ended December 31, 2024.
  • Participants are immediately vested in their salary reduction contributions, rollover contributions and Company discretionary profit-sharing contributions plus earnings thereon. Vesting in the discretionary employer-matching contributions plus earnings thereon is based on years of service as follows: Years of Service Vesting
  • Less than 1 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:

 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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