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

How MORGAN ENGINEERING SYSTEMS, INC. Supports Your Retirement Savings

MORGAN ENGINEERING SYSTEMS, INC. provides retirement savings benefits through MORGAN ENGINEERING 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.

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

In 2024, the average participant retirement account value for MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN is $65,543.00

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

In 2024, the estimated average employee contribution amount per participant for MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN is $6,529.00. 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.
417,879.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,529.00 in MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MORGAN ENGINEERING 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.

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

In 2024, MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN allocates $495,010.00 to match its employees’ contributions, providing an employer match rate of 43.95% of their contributions

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

In 2024, the estimated average employer match for an employee in MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN is approximately $2,239.00
Investing in this additonal $2,239.00 for 20 years would give you extra $143,351.00, 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.

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

MORGAN ENGINEERING SYSTEMS, INC. 401(K) PLAN Plan Policies

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

  • Each eligible participant is permitted to make pre-tax elective deferrals up to 100% of their compensation, subject to the maximum amount permitted by law, as defined by the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan Sponsor elected safe harbor provision.
  • In accordance with the provision, the Plan Sponsor will contribute a safe harbor matching contribution to participant’s accounts in an amount equal to 100% of the participant’s elective deferrals that are not in excess of 4% of the participant’s plan compensation.
  • A participant is fully vested immediately in elective wage deferrals, amounts rolled over from other plans, and safe harbor matching contributions. Participants are 100% vested in the employer’s non-elective non-safe harbor contribution and actual earnings thereon after six years of service or once they reach the normal retirement age of 65, become totally disabled, or die. Vesting for employer non-elective non-safe harbor contribution contributions is as follows: Years of Service Vesting %
  • Less than 2 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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