Plan Sponsor Tool
401(k) employer match estimator
Model the annual cost of your employer matching formula — including optional tiered matching structures — and compare designs side-by-side to find the right balance of benefit and budget for your healthcare practice.
Back to Plan Sponsor & Participant ToolsPlan sponsor context
Tier 1 matching formula
Tier 2 matching formula
Total annual match cost
$112,500
Estimated employer matching contribution across 38 participating employees, based on a max effective match of 4.00% of payroll.
Cost per employee
$3,000
Enrolled vs. eligible
38 / 50
Effective contribution rate
4.00%
Contributions vs. employer match
Total annual employee deferrals compared to the projected employer matching cost.
Saved scenarios appear in the comparison table below so you can evaluate different matching structures side-by-side.
How to compare matching structures
- 1.Set your inputs to the first configuration you want to evaluate.
- 2.Click Save to log that matching structure to the history table below.
- 3.Adjust one input at a time (for example, bump your contribution rate or headcount), then save again.
- 4.Repeat for each variation. Every saved row appears side-by-side so you can compare results at a glance.
Saved scenario comparison
A running log of the matching structures you've modeled. Compare total cost, per-employee cost and effective rate across designs.
No saved scenarios yet. Adjust the inputs and save a design to start comparing.
This estimator is provided strictly for educational purposes and is not investment advice or a recommendation from an advisor. Results are estimates based on the inputs you provide and assume uniform participation, salary and contribution rates. Actual plan costs depend on plan design, nondiscrimination testing, payroll specifics and provider fees. Speak with a Cognis advisor for guidance tailored to your practice.