MSI-VIKING GAGE 401(K) PLAN Contribution & Employer Match
How MSI-VIKING GAGE, LLC Supports Your Retirement Savings
MSI-VIKING GAGE, LLC provides retirement savings benefits through MSI-VIKING GAGE 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.
MSI-VIKING GAGE 401(K) PLAN Average Participant Retirement Account Value
MSI-VIKING GAGE 401(K) PLAN Estimated Average Employee Contribution Amount
434,494.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,788.00 in MSI-VIKING GAGE 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MSI-VIKING GAGE 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.
MSI-VIKING GAGE 401(K) PLAN Total Employer Contribution and Match Rate
MSI-VIKING GAGE 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,610.00 for 20 years would give you extra $103,045.00, 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.
MSI-VIKING GAGE 401(K) PLAN Contribution & Match Policy
MSI-VIKING GAGE 401(K) PLAN Contribution, Match and Other Plan Policies
- Each eligible employee who elects to participate in the Plan may contribute any amount of their compensation per payroll period up to the annual limit for that year.
- In addition, the Plan allows catch-up elective deferral contributions under Internal Revenue Code (IRC) Section 414(v) for those participants who have attained the age 50 by the close of the plan year.
- The Company has implemented a matching contribution of 100% of the first 3% of employee deferrals, and then 50% of the next 2% of employee deferrals, as well as a discretionary contribution.
- Under the Plan, participants or their beneficiaries are entitled to 100% of their account balance upon death, disability, or retirement.
- Upon termination for any reason other than death, disability, or retirement, a participant’s accrued benefit is subject to a five-year graded vesting formula for all employer contributions.
- A participant’s voluntary contribution and earnings thereon is always 100% vested.
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.
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