Who is eligible?

All full- and part-time employees who are not part of an excluded class in Sprinklr’s 401(k) summary plan description.

Who puts the money in my account?

You and Sprinklr do. You have the option to set aside money from your paycheck on a pre-tax or post-tax basis up to the annual IRS maximums each year. The Sprinklr 401(k) plan offers Pre-tax, Roth 401(k) and After-tax with conversion options. Sprinklr also provides an employer match on your contributions each year.

Important: you are automatically enrolled in the 401(k) plan with a 5% pre-tax contribution from your pay. This makes it easier to save and helps ensure you build a secure future, take advantage of tax benefits and don’t miss out on any Sprinklr’s matching contributions. Of course, you can adjust or stop your contributions at any time, if you wish.

Annual contribution limits

You can contribute from 1% to 100% of your eligible compensation to your 401(k) pre-tax, Roth 401(k), and after-tax sources, up to IRS limits.

IRS contribution limits for 2025

  • Standard contributions: You can contribute up to $23,500.
  • Catch-up contributions (age 50+): You can add up to $7,500 to your contributions.
  • Enhanced catch-up contributions (ages 60–63): Starting Jan. 1, 2025, you can contribute up to 150% of the regular catch-up amount ($7,500) or $10,000—whichever is greater. For example, a 60-year-old could contribute an additional $11,250 ($7,500 x 150%) for the year under the SECURE 2.0 Act.

You can change your contributions to a higher or lower amount at any time during the year.

You can also make after-tax contributions subject to annual defined contribution limits which include all of your contributions and employer matching contributions.

The plan also offers the option for in-plan conversions to a Roth IRA. Contact Fidelity to discuss in-plan conversion and forms.

Seek tax advice regarding which type of contributions may be right for you.

Employer matching contributions

Sprinklr provides an annual discretionary matching contribution to the Sprinklr 401(k) plan. Sprinklr matches 30% of your 401(k) contributions up to the first 4% of your eligible compensation. Eligible compensation for the matching contribution is defined as your regular annual earnings.

Matching contributions are calculated and added in the first quarter of the following year. You must be an active employee on the last day of the calendar year in order to receive the matching contribution for that year.

Get started today!

Register for your Fidelity account at 401k.com.

Once you’re registered, you can make updates to your contribution rate, fund options, beneficiaries, and more. You can also call 800-835-5097 to speak to a live Fidelity representative.

Please note, you are required to designate your 401(k) beneficiaries with Fidelity.

SECURE 2.0 Act features

Effective Nov. 12, 2024, two new withdrawal options are available under SECURE 2.0 Act:

  • Domestic Abuse Withdrawals: Participants who are victims of physical, psychological, sexual, emotional, or economic domestic abuse by a spouse or domestic partner within the past year can self-certify and request a distribution. You can withdraw up to the lesser of $10,000 (indexed for inflation) or 50% of your vested account balance. While the withdrawal is subject to regular taxes, the 10% early withdrawal penalty will not apply. You can also repay the amount within three years to restore your savings.
  • Qualified Disaster Withdrawals: If your primary residence is in a federally declared disaster area and you’ve suffered losses, you may take up to $22,000 per disaster as a qualified distribution. This option is retroactive to distributions taken after Jan. 26, 2021. The withdrawal is subject to taxes but is exempt from mandatory withholding. You must take the distribution within 180 days of the disaster declaration date.