SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Contribution & Employer Match

How SUPERIOR OPTICAL LABS, INC. Supports Your Retirement Savings

SUPERIOR OPTICAL LABS, INC. provides retirement savings benefits through SUPERIOR OPTICAL LABS, INC. 401(K) 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.

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SUPERIOR OPTICAL LABS, INC. 401(K) PLAN is $15,577.00

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SUPERIOR OPTICAL LABS, INC. 401(K) PLAN is $2,364.00. 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.
151,339.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,364.00 in SUPERIOR OPTICAL LABS, INC. 401(K) PLAN, assuming a 10%* annual return.

*Data from public filings (2024) 640807765-001

Employer Match in SUPERIOR OPTICAL LABS, INC. 401(K) 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.

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, SUPERIOR OPTICAL LABS, INC. 401(K) PLAN allocates $227,480.00 to match its employees’ contributions, providing an employer match rate of 60.69% of their contributions

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SUPERIOR OPTICAL LABS, INC. 401(K) PLAN is approximately $1,263.00
Investing in this additonal $1,263.00 for 20 years would give you extra $80,881.00, assuming a 10% annual return.

*Data from public filings (2024) 640807765-001

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.

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Contribution & Match Policy

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Plan Policies

SUPERIOR OPTICAL LABS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of pretax annual compensation, as defined in the Plan.
  • Participants may also contribute a percentage of after tax annual regular compensation as a Roth contribution.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company has elected to make a safe harbor matching contribution of 100% of participant’s elective deferrals up to 3% and 50% of the next 2% of a participant’s eligible compensation to be contributed to the Plan.
  • Participants are vested immediately in their contributions and the Company’s safe harbor matching contributions plus actual earnings thereon.
  • Vesting in the Company’s discretionary matching and non-elective contribution portion of their accounts is based on years of continuous service.
  • A participant is 100% vested in the Plan’s discretionary matching contribution after six years.

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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Money headlines from this plan

These filing-based headlines surface the numbers most likely to affect a participant decision. Verify current plan documents before acting.

  • Average plan assets per reported participant: $15,578
    Based on the 2024 public filing. This is a plan-wide average, not a personal retirement target. Calculate a personal retirement target.
  • Employer contributions per reported participant: $1,264
    Based on the 2024 public filing. This reported average can include match, profit sharing, or other employer contributions. Review the match and contribution details.
  • Employee contributions per reported participant: $2,082
    Based on the 2024 public filing. Individual contribution rates vary with pay, eligibility, and participation. Model a contribution increase.
  • Reported administrative expenses as a share of assets: 1.35%
    Based on the 2024 public filing. This plan-level administrative ratio does not replace current fund expense ratios or participant fee disclosures. Estimate the long-term impact of fees.

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