IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How INNOVATIVE SERVICE TECHNOLOGY MANAGEMENT SERVICES, INCORPORATED Supports Your Retirement Savings
INNOVATIVE SERVICE TECHNOLOGY MANAGEMENT SERVICES, INCORPORATED provides retirement savings benefits through IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION 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.
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
118,443.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,850.00 in IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION 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.
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $307.00 for 20 years would give you extra $19,659.00, 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.
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Contribution & Match Policy
IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute a portion of their compensation, subject to certain maximum limitations imposed by Section 402(g) of the IRC.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan has an automatic enrollment provision of (4% salary deferral with 1% increases annually on the first day of the plan year until reaching a maximum of 8%).
- Employees must elect out of the enrollment provision if they do not wish to participate.
- For the years ended December 31, 2024, and 2023, the Company made discretionary matching contributions of 50% of the participant deferral up to 2% of compensation.
- Vesting schedule: Service Years: Matching: Nonelective: <1: 0% : 0% 1: 20% : 20% 2: 40% : 40% 3: 60% : 60% 4: 80% : 80% 5: 100% : 100% If participants are employed on or after their Normal Retirement Age or if they terminate employment on account of death or disability, they are 100% vested in their Company matching and nonelective contributions.
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.
Get Key Insights for This Plan
Join our community and get data-driven insights about IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Google LLC 401(k) Savings Plan Review: A Revealing Look at Their Greater Of Match Structure
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching IST MANAGEMENT SERVICES, INC. DEFINED CONTRIBUTION PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- ONIX GROUP 401(K) PLAN (1,278 participants, $30,192,011)
- DEPLOYED RESOURCES LLC 401(K) PLAN (1,211 participants, $19,261,464)
- THTBC RETIREMENT PLAN (1,191 participants, $35,174,367)
- DISASTER RESOURCE GROUP LLC 401(K) PLAN (1,171 participants, $6,890,388)
- NANA MANAGEMENT SERVICES RETIREMENT SAVINGS PLAN (1,380 participants, $16,905,337)