TALIVITY 401(K) SAVINGS PLAN Contribution & Employer Match

How TALIVITY, INC Supports Your Retirement Savings

TALIVITY, INC provides retirement savings benefits through TALIVITY 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.

TALIVITY 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for TALIVITY 401(K) SAVINGS PLAN is $30,242.00

TALIVITY 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for TALIVITY 401(K) SAVINGS PLAN is $4,323.00. 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.
276,701.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,323.00 in TALIVITY 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in TALIVITY 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.

TALIVITY 401(K) SAVINGS PLAN Contribution & Match Policy

TALIVITY 401(K) SAVINGS PLAN Plan Policies

TALIVITY 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute between 1% and 100% of eligible compensation, as defined in the Plan.
  • Participants may designate all or a portion of the contributions as pre-tax or Roth deferrals.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other qualified retirement plans (rollovers).
  • The Company may make a discretionary matching contribution.
  • For the year ended December 31, 2024, the Company did not make a discretionary matching contribution.
  • Participants are immediately vested in their deferral and rollover contributions, including the earnings on those amounts.
  • Vesting in the Company contributions portion of their accounts is based on years of continuous service.
  • Participants are fully vested in discretionary employer matching contributions upon the completion of five years of service.
  • Participants who merged into the Plan from the KRT Marketing 401(k) Plan & Trust were credited with prior service with the former employer and vest in these contributions over a six-year period.
  • Participants are also fully vested upon reaching normal retirement age, death, or total disabled.

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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