INTELLISENSE SYSTEMS, INC. 401(K) PLAN Contribution & Employer Match
How INTELLISENSE SYSTEMS, INC. Supports Your Retirement Savings
INTELLISENSE SYSTEMS, INC. provides retirement savings benefits through INTELLISENSE SYSTEMS, 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.
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Average Participant Retirement Account Value
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
872,395.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,631.00 in INTELLISENSE SYSTEMS, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INTELLISENSE SYSTEMS, 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.
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Total Employer Contribution and Match Rate
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $4,468.00 for 20 years would give you extra $285,974.00, 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.
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Contribution & Match Policy
INTELLISENSE SYSTEMS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Participants may elect to reduce their compensation, as defined by the Plan, by a certain amount and have that amount contributed to the Plan as a pre-tax salary deferral, after-tax (Roth) salary deferral, or after-tax plan deferrals.
- Participants who have attained age 50 before the Plan year-end are also eligible to make additional catch-up contributions.
- All employees who are age 21 or older and who have completed 3 months of service are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 4% of eligible compensation and their contributions invested in a designated fund until changed by the participant.
- The Company makes an employer matching contribution of the participant’s pre-tax and Roth deferrals (including catch-up contributions), up to a maximum of 4% of participant’s annual compensation.
- Participants are immediately vested in their own contributions, discretionary employer matching contributions, rollovers from other qualified plans, and actual earnings thereon.
- Vesting in nonelective employer contributions is based on years of service.
- A participant is 100% vested after 4 years of service.
- A participant becomes fully vested in all contributions in the event that the participant retires, dies, or becomes totally disabled.
- The following is the Plan’s vesting schedule for nonelective employer contributions: Years of Vesting Service Percentage 0 0% 1 25% 2 50% 3 75% 4 100%
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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