MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Contribution & Employer Match

How MECHANICAL SERVICES & DESIGN INC. Supports Your Retirement Savings

MECHANICAL SERVICES & DESIGN INC. provides retirement savings benefits through MECHANICAL SERVICES & DESIGN 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.

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN is $55,145.00

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN is $4,133.00. 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.
264,519.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,133.00 in MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MECHANICAL SERVICES & DESIGN 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.

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN allocates $757,891.00 to match its employees’ contributions, providing an employer match rate of 68.42% of their contributions

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN is approximately $2,560.00
Investing in this additonal $2,560.00 for 20 years would give you extra $163,868.00, 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.

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Contribution & Match Policy

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Plan Policies

MECHANICAL SERVICES & DESIGN INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 100% of their annual compensation, as defined by the Plan, subject to IRS limitations.
  • Pre-tax elective deferrals and after-tax Roth contributions are available.
  • The Plan has an automatic deferral feature (5% default rate) with an opt-out provision for all newly eligible employees and participants without an existing affirmative election.
  • The Plan also provides for catch-up contributions for participants age 50 or older.
  • Under the safe harbor provisions, the Plan Sponsor provides a matching contribution in an amount equal to 100% of the first 3% of eligible compensation contributed by the participant plus 50% of the next 2% not to exceed 5% of the participant’s annual compensation.

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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