BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Contribution & Employer Match
How BY LIGHT PROFESSIONAL IT SERVICES LLC Supports Your Retirement Savings
BY LIGHT PROFESSIONAL IT SERVICES LLC provides retirement savings benefits through BY LIGHT PROFESSIONAL IT SERVICES LLC 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.
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Average Participant Retirement Account Value
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Estimated Average Employee Contribution Amount
553,339.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,645.00 in BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BY LIGHT PROFESSIONAL IT SERVICES LLC 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.
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Total Employer Contribution and Match Rate
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,466.00 for 20 years would give you extra $157,851.00, 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.
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Contribution & Match Policy
BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN Contribution, Match and Other Plan Policies
- The maximum dollar amount each participant may contribute annually on a pre-tax basis is $23,000 in 2024 as defined in the Plan.
- Additional contributions of up to $7,500 in 2024 are allowed for participants who are over age fifty by December 31, 2024.
- The Plan has a safe harbor matching contribution, which matches the first 3% at 100%, and the next 2% at 50%, not to exceed a net 4% matching contribution.
- Employer nonelective – Vesting is based on years of continuous service.
- A participant becomes fully vested after four years of credited service.
- Safe Harbor and discretionary matching – Participants are immediately 100% vested in all safe harbor and discretionary matching contributions.
- 401(K) & Roth salary deferrals and rollovers – Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
- A participant becomes fully vested automatically, regardless of the vesting schedule, upon attainment of normal retirement age, upon retirement due to disability, upon death, and upon termination of the Plan.
- The Plan defines normal retirement age as the date a participant reaches age 65.
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:
| 2024 | 2025 | |
|---|---|---|
| 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.
Get Key Insights for This Plan
Join our community and get data-driven insights about BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
- GSK 401(K) PLAN Review: 11% Employer Contribution Combines Match Makes It One of the Most Generous
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching BY LIGHT PROFESSIONAL IT SERVICES LLC 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- WORLDSPAN RETIREMENT SAVINGS PLAN (2,195 participants, $203,825,844)
- EXTENSITY INC 401K SAVINGS PLAN (2,239 participants, $86,438,351)
- ASAHI KASEI 401(K) RETIREMENT PLAN (2,281 participants, $293,587,253)
- SI INTERNATIONAL 401K PLAN (2,313 participants, $93,523,775)
- FAST ENTERPRISES, LLC PROFIT SHARING 401K PLAN (2,073 participants, $303,933,434)