CONSULTANT ENGINEERING, INC. 401(K) PLAN Contribution & Employer Match

How CONSULTANT ENGINEERING, INC. Supports Your Retirement Savings

CONSULTANT ENGINEERING, INC. provides retirement savings benefits through CONSULTANT ENGINEERING, 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.

CONSULTANT ENGINEERING, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CONSULTANT ENGINEERING, INC. 401(K) PLAN is $66,567.00

CONSULTANT ENGINEERING, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CONSULTANT ENGINEERING, INC. 401(K) PLAN is $5,270.00. 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.
337,299.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,270.00 in CONSULTANT ENGINEERING, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CONSULTANT ENGINEERING, 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.

CONSULTANT ENGINEERING, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CONSULTANT ENGINEERING, INC. 401(K) PLAN allocates $952,271.00 to match its employees’ contributions, providing an employer match rate of 45.63% of their contributions

CONSULTANT ENGINEERING, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CONSULTANT ENGINEERING, INC. 401(K) PLAN is approximately $2,435.00
Investing in this additonal $2,435.00 for 20 years would give you extra $155,870.00, 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.

CONSULTANT ENGINEERING, INC. 401(K) PLAN Contribution & Match Policy

CONSULTANT ENGINEERING, INC. 401(K) PLAN Plan Policies

CONSULTANT ENGINEERING, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Under the 401(k) provisions of the Plan, the participants may elect to defer a portion of their pre-tax compensation up to current statutory limits determined annually and prescribed by the Internal Revenue Service (IRS).
  • The Plan also permits participants to elect to make catch-up contributions and to make additional voluntary contributions of qualified rollovers from other retirement plans.
  • Participants cannot elect to defer more than 90% of their compensation in a plan year.
  • Unless otherwise elected by the participant, all newly eligible participants will be automatically enrolled in the Plan at a rate of 3% of eligible compensation.
  • Under the safe harbor provisions of the Plan, the employer will contribute and allocate to each participant’s matching account an amount equal to 100% of participant elective deferrals up to 4% of participant compensation.
  • Participants are immediately vested in their elective deferral contributions, employer safe harbor contributions, and any rollover contributions made to the Plan, plus actual earnings thereon.
  • Vesting in the employer’s discretionary matching and profit-sharing contribution portion of the participant’s accounts, plus actual earnings thereon, is based on years of credited service.
  • Participants vest at 33.33% annually, beginning with the completion of their first year of service and are fully vested after three years of credited service, or upon the normal retirement date.
  • The Plan defines a year of credited service to be a Plan year (January 1 through December 31) with the participant rendering at least 1,000 hours of service.
  • Upon death or total disability of a participant prior to retirement, the participant’s account balance shall become fully vested.

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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