LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Contribution & Employer Match

How LUSE CONTRACTING GROUP, INC. Supports Your Retirement Savings

LUSE CONTRACTING GROUP, INC. provides retirement savings benefits through LUSE CONTRACTING GROUP, INC. RETIREMENT 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.

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Average Participant Retirement Account Value

In 2025, the average participant retirement account value for LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN is $77,432.00

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2025, the estimated average employee contribution amount per participant for LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN is $2,274.00. 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.
145,571.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,274.00 in LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LUSE CONTRACTING GROUP, INC. RETIREMENT 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.

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2025, LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN allocates $97,091.00 to match its employees’ contributions, providing an employer match rate of 31.16% of their contributions

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Estimated Average Employer Match

In 2025, the estimated average employer match for an employee in LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN is approximately $354.00
Investing in this additonal $354.00 for 20 years would give you extra $22,678.00, 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.

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Contribution & Match Policy

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Plan Policies

LUSE CONTRACTING GROUP, INC. RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of their pretax annual compensation, up to a maximum of $23,500 in 2025 and $23,000 in 2024, as defined in the Plan.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
  • The Plan also provides that participants who are age 50 or older, and who are making contributions to the Plan may also make a catch-up contribution (not previously made) of up to $7,500 in 2024 and 2025.
  • Beginning in 2025, participants who attain ages 60 through 63 during the year are eligible for a higher catch-up contribution limit equal to the greater of $10,000 (as adjusted for inflation) or 150% of the standard catch-up contribution limit (which equals $11,250 for 2025).
  • During the Plan year ended March 31, 2025, the Company deposited discretionary matching contributions equal to 50% of participant contributions up to 4% of each participant’s eligible compensation.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • Vesting in the Company contributions portion of their accounts plus earnings thereon, as outlined in the Plan document, is based on years of continuous service.
  • A participant is 100 percent vested after six years of credited periods of service.

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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