IDI LOGISTICS 401(K) SAVINGS PLAN Contribution & Employer Match
How IDI LOGISTICS, LLC Supports Your Retirement Savings
IDI LOGISTICS, LLC provides retirement savings benefits through IDI LOGISTICS 401(K) SAVINGS 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.
IDI LOGISTICS 401(K) SAVINGS PLAN Average Participant Retirement Account Value
IDI LOGISTICS 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
500,429.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,819.00 in IDI LOGISTICS 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in IDI LOGISTICS 401(K) SAVINGS 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.
IDI LOGISTICS 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
IDI LOGISTICS 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,709.00 for 20 years would give you extra $173,423.00, 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.
IDI LOGISTICS 401(K) SAVINGS PLAN Contribution & Match Policy
IDI LOGISTICS 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute from 1% to 90% of pre-tax compensation, as defined in the Plan document.
- Participants may also make after-tax 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 up to 100% of pre-tax compensation.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan or elect a different deferral rate.
- Newly eligible employees and active participants without a deferral election are automatically enrolled at 6% of eligible compensation, and the deferral rate on all automatically enrolled employees will automatically increase 1% per year until a deferral percentage of 10% is reached.
- For 2024, the Company made discretionary matching contributions of 50% of the first 6% of eligible compensation that participants contributed to the Plan.
- Participants become vested in company matching and profit sharing contributions in accordance with the following schedule: Percentage Percentage Completed Matching Profit Sharing Years of Contributions Contributions Service Vested Vested 1 20% 20% 2 40% 40% 3 60% 60% 4 80% 80% 5 100% 100% Participants are immediately vested upon termination of the Plan, upon reaching the normal retirement age of 65, or upon disability or death while an employee of the Plan Sponsor.
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.
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