SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Contribution & Employer Match

How SURFACE MOUNT TECHNOLOGY CORPORATION Supports Your Retirement Savings

SURFACE MOUNT TECHNOLOGY CORPORATION provides retirement savings benefits through SURFACE MOUNT TECHNOLOGY CORPORATION 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.

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST is $31,215.00

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST is $3,323.00. 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.
212,685.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,323.00 in SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SURFACE MOUNT TECHNOLOGY CORPORATION 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.

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST allocates $79,389.00 to match its employees’ contributions, providing an employer match rate of 13.20% of their contributions

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST is approximately $413.00
Investing in this additonal $413.00 for 20 years would give you extra $26,463.00, 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.

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Contribution & Match Policy

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Plan Policies

SURFACE MOUNT TECHNOLOGY CORPORATION 401K PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of eligible compensation, as defined by the plan document, on a pretax or Roth basis, not to exceed the maximum allowable limits by the Internal Revenue Service (IRS).
  • 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 includes an automatic enrollment provision whereby any current eligible employees that have not previously made a deferral election and all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan or make an alternate deferral election.
  • Automatically enrolled participants have their pre-tax deferral rate set to 3% of eligible compensation and their contributions invested in a designated fund until changed by the participant.
  • The Company may make a discretionary matching contribution of up to 6% of compensation that a participant contributes to the Plan.
  • The discretionary matching contribution during the year ended December 31, 2024, was 20% of a participant’s deferrals up to 6% of Plan compensation.
  • Vesting schedule:
  • 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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