CENTROID SYSTEMS, LLC 401(K) PLAN Contribution & Employer Match

How CENTROID SYSTEMS, LLC Supports Your Retirement Savings

CENTROID SYSTEMS, LLC provides retirement savings benefits through CENTROID SYSTEMS, 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.

CENTROID SYSTEMS, LLC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CENTROID SYSTEMS, LLC 401(K) PLAN is $170,191.00

CENTROID SYSTEMS, LLC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CENTROID SYSTEMS, LLC 401(K) PLAN is $14,654.00. 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.
937,912.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,654.00 in CENTROID SYSTEMS, LLC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CENTROID SYSTEMS, 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.

CENTROID SYSTEMS, LLC 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CENTROID SYSTEMS, LLC 401(K) PLAN allocates $743,661.00 to match its employees’ contributions, providing an employer match rate of 38.30% of their contributions

CENTROID SYSTEMS, LLC 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CENTROID SYSTEMS, LLC 401(K) PLAN is approximately $4,590.00
Investing in this additonal $4,590.00 for 20 years would give you extra $293,792.00, 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.

CENTROID SYSTEMS, LLC 401(K) PLAN Contribution & Match Policy

CENTROID SYSTEMS, LLC 401(K) PLAN Plan Policies

CENTROID SYSTEMS, LLC 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for pretax and post-tax employee salary deferral contributions up to a maximum of 90 percent of annual compensation subject to maximum limitations established by the Internal Revenue Code.
  • Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
  • Participants are automatically enrolled for a pretax deferral contribution of 3 percent 30 days after the participant’s date of hire.
  • The Company also has the ability to make a discretionary match.
  • During 2024, the Company did not authorize a discretionary profit-sharing or a discretionary employer match contribution.
  • Additionally, the Company has a safe harbor match, where eligible participants receive 100 percent of the first 4 percent of compensation contributed by eligible participants.
  • Participants are immediately 100 percent vested in employee salary, rollover contributions, safe harbor employer match, and any income or loss thereon.
  • Vesting in the Company’s discretionary profit-sharing contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
  • Participants vest in contributions made by the Company 25 percent after one year of service and an additional 25 percent for each consecutive year until they become fully vested after four years of service.

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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