SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN Contribution & Employer Match
How SILVER POINT CAPITAL, L.P. Supports Your Retirement Savings
SILVER POINT CAPITAL, L.P. provides retirement savings benefits through SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT 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.
SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN Average Participant Retirement Account Value
SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN Estimated Average Employee Contribution Amount
1,053,927.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 16,467.00 in SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT 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.
SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN Contribution & Match Policy
SILVER POINT CAPITAL, L.P. SAVINGS & RETIREMENT PLAN Contribution, Match and Other Plan Policies
- For the 2024 and 2023 Plan years, participants are allowed to elect a deferral of up to 85% of pre-tax annual salary and up to 100% of pre-tax bonus, as defined in the Plan document, up to the maximum allowed by the Internal Revenue Code.
- All new eligible employees are automatically enrolled in the Plan at a default percentage of 3% of salary unless they opt out or elect to change the default election deferral.
- Participants in the Plan are eligible to make a catch-up contribution beginning in the calendar year that they reach age 50.
- The Employer may make a discretionary matching contribution for each participant in an amount equal to the percentage declared for the contribution period.
- There were no employer matching contributions for the years ended December 31, 2024 and 2023.
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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