GPS INSIGHT 401(K) PLAN Contribution & Employer Match

How GPS INSIGHT, INC. Supports Your Retirement Savings

GPS INSIGHT, INC. provides retirement savings benefits through GPS INSIGHT 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.

GPS INSIGHT 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GPS INSIGHT 401(K) PLAN is $57,018.00

GPS INSIGHT 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GPS INSIGHT 401(K) PLAN is $6,619.00. 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.
423,637.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,619.00 in GPS INSIGHT 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GPS INSIGHT 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.

GPS INSIGHT 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, GPS INSIGHT 401(K) PLAN allocates $702,608.00 to match its employees’ contributions, providing an employer match rate of 50.31% of their contributions

GPS INSIGHT 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GPS INSIGHT 401(K) PLAN is approximately $2,810.00
Investing in this additonal $2,810.00 for 20 years would give you extra $179,867.00, 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.

GPS INSIGHT 401(K) PLAN Contribution & Match Policy

GPS INSIGHT 401(K) PLAN Plan Policies

GPS INSIGHT 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) or Roth contributions to the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan includes automatic enrollment for employees hired on or after October 1, 2021, in which the Plan Sponsor will automatically withhold 3% of an employee’s compensation upon becoming eligible to participate unless otherwise elected by the participant.
  • Effective January 23, 2025, the Plan no longer includes automatic enrollment.
  • The Company’s safe harbor matching contribution is 100% of the first 3% of the eligible compensation contributed to the Plan, and 50% of the next 2% of eligible compensation.
  • Effective January 1, 2025, the Company’s matching contribution, no longer safe harbor, is 50% of the first 6% of eligible compensation contributed to the Plan.
  • Participants are immediately vested in all contributions plus actual earnings thereon.
  • Effective June 1, 2022, all participants that merged into the Plan from the Insight Mobile Data, Inc.
  • 401(k) Plan who did not work an hour of service on or after June 1, 2022, are subject to a vesting schedule related to their Company matching and discretionary nonelective contributions, as defined by the Plan.
  • Effective January 1, 2025, all participants with safe harbor match balances are 100% 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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