NAVAL SYSTEMS, INC 401(K) PLAN Contribution & Employer Match

How NAVAL SYSTEMS, INC. Supports Your Retirement Savings

NAVAL SYSTEMS, INC. provides retirement savings benefits through NAVAL 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.

NAVAL SYSTEMS, INC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for NAVAL SYSTEMS, INC 401(K) PLAN is $49,844.00

NAVAL SYSTEMS, INC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for NAVAL SYSTEMS, INC 401(K) PLAN is $12,804.00. 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.
819,516.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,804.00 in NAVAL SYSTEMS, INC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in NAVAL 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.

NAVAL SYSTEMS, INC 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, NAVAL SYSTEMS, INC 401(K) PLAN allocates $1,075,945.00 to match its employees’ contributions, providing an employer match rate of 36.61% of their contributions

NAVAL SYSTEMS, INC 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in NAVAL SYSTEMS, INC 401(K) PLAN is approximately $2,344.00
Investing in this additonal $2,344.00 for 20 years would give you extra $150,022.00, 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.

NAVAL SYSTEMS, INC 401(K) PLAN Contribution & Match Policy

NAVAL SYSTEMS, INC 401(K) PLAN Plan Policies

NAVAL SYSTEMS, INC 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100 percent of annual compensation, as defined in the Plan.
  • The Plan includes an automatic deferral feature.
  • Accordingly, NSI automatically withholds a portion of the employees’ compensation each pay period and contributes the amount to the Plan as a pre-tax deferral unless the employee makes a contrary election.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
  • NSI is required to make a safe harbor contribution for each eligible employee, matching 100% of the participants’ salary deferrals that do not exceed 1% of their compensation, plus 50% of the participants’ salary deferrals between 1% and 6% of their compensation.
  • The safe harbor matching contribution is fully vested at all times.
  • The Plan also allows for a discretionary matching contribution based on a percentage of participants’ contributions, up to 4% of the participants’ annual compensation.
  • Participants are immediately 100% vested in all contributions into the Plan plus earnings thereon.

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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