NECA SAVINGS PROGRAM Contribution & Employer Match
How NATIONAL EXCHANGE CARRIER ASSOCIATION Supports Your Retirement Savings
NATIONAL EXCHANGE CARRIER ASSOCIATION provides retirement savings benefits through NECA SAVINGS PROGRAM. 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.
NECA SAVINGS PROGRAM Average Participant Retirement Account Value
NECA SAVINGS PROGRAM Estimated Average Employee Contribution Amount
492,895.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,701.00 in NECA SAVINGS PROGRAM, assuming a 10%* annual return.
*Data from public filings (2000) 222484310-001
Employer Match in NECA SAVINGS PROGRAM
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.
NECA SAVINGS PROGRAM Total Employer Contribution and Match Rate
NECA SAVINGS PROGRAM Estimated Average Employer Match
Investing in this additional $1,776.00 for 20 years would give you extra $113,699.00, assuming a 10% annual return.
*Data from public filings (2000) 222484310-001
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.
NECA SAVINGS PROGRAM Contribution & Match Policy
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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Money headlines from this plan
These filing-based headlines surface the numbers most likely to affect a participant decision. Verify current plan documents before acting.
- Average plan assets per reported participant: $72,683
Based on the 2000 public filing. This is a plan-wide average, not a personal retirement target. Calculate a personal retirement target. - Employer contributions per reported participant: $1,777
Based on the 2000 public filing. This reported average can include match, profit sharing, or other employer contributions. Review the match and contribution details. - Employee contributions per reported participant: $3,851
Based on the 2000 public filing. Individual contribution rates vary with pay, eligibility, and participation. Model a contribution increase. - Reported administrative expenses as a share of assets: 0.02%
Based on the 2000 public filing. This plan-level administrative ratio does not replace current fund expense ratios or participant fee disclosures. Estimate the long-term impact of fees.
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