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

How LJA ENGINEERING, INC. Supports Your Retirement Savings

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

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

In 2024, the average participant retirement account value for LJA ENGINEERING, INC. 401(K) PLAN is $59,129.00

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

In 2024, the estimated average employee contribution amount per participant for LJA ENGINEERING, INC. 401(K) PLAN is $8,195.00. 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.
524,485.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,195.00 in LJA ENGINEERING, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LJA 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.

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

In 2024, LJA ENGINEERING, INC. 401(K) PLAN allocates $2,500,000.00 to match its employees’ contributions, providing an employer match rate of 18.26% of their contributions

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

In 2024, the estimated average employer match for an employee in LJA ENGINEERING, INC. 401(K) PLAN is approximately $1,217.00
Investing in this additonal $1,217.00 for 20 years would give you extra $77,934.00, 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.

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

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

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

  • Participants may contribute up to 90% of pre-tax annual compensation, as defined by the Plan.
  • In addition, participants may contribute designated Roth (after-tax) contributions.
  • All contributions are subject to limitations on annual additions and other limitations imposed by the Internal Revenue Code (IRC) as defined in the plan document.
  • Eligible participants may make rollover contributions to the Plan.
  • Participants who are eligible to make salary deferral contributions under the Plan and who have attained age 50 before the close of the year may make catch-up contributions in accordance with and subject to the limitations imposed by the Code.
  • The Plan contains an automatic enrollment feature.
  • If a participant does not submit a salary deferral agreement or does not specifically decline to make salary deferrals, the Company will automatically withhold 5% from their pay and contribute it to the Plan on the participant’s behalf in the form of an automatic elective deferral.
  • The Company may elect to contribute a discretionary nonelective contribution annually.
  • This discretionary nonelective contribution is allocated to participant accounts based on the ratio of compensation, as defined in the plan document, of eligible participants to the total compensation of all eligible participants for the Plan year.
  • Participants must be employed as of the last day of the pan year to be eligible for an allocation of the discretionary nonelective contribution, unless terminated due to retirement, death, or disability.
  • For the years ended December 31, 2024 and 2023, the Company made discretionary nonelective contributions of $2,500,000 and $2,000,000, respectively.
  • Vesting schedule:
  • Less than 1 years: 0%

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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