NETSPI 401(K) P/S PLAN Contribution & Employer Match

How NETSPI, LLC Supports Your Retirement Savings

NETSPI, LLC provides retirement savings benefits through NETSPI 401(K) P/S 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.

NETSPI 401(K) P/S PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for NETSPI 401(K) P/S PLAN is $67,410.00

NETSPI 401(K) P/S PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for NETSPI 401(K) P/S PLAN is $14,649.00. 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.
937,550.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,649.00 in NETSPI 401(K) P/S PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in NETSPI 401(K) P/S 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.

NETSPI 401(K) P/S PLAN Total Employer Contribution and Match Rate

In 2024, NETSPI 401(K) P/S PLAN allocates $2,323,771.00 to match its employees’ contributions, providing an employer match rate of 48.44% of their contributions

NETSPI 401(K) P/S PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in NETSPI 401(K) P/S PLAN is approximately $4,675.00
Investing in this additonal $4,675.00 for 20 years would give you extra $299,238.00, 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.

NETSPI 401(K) P/S PLAN Contribution & Match Policy

NETSPI 401(K) P/S PLAN Plan Policies

NETSPI 401(K) P/S PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute, through salary reduction and post-tax Roth contributions, up to 75% of compensation, as defined in the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees who were hired on or after January 1, 2024 are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 5% of eligible compensation and their contributions are invested in a designated balanced fund until changed by the participant.
  • The Plan requires an employer safe harbor matching contribution of 100% up to the first 3% of the participant’s deferrals plus an additional 50% up to 5% of the participant’s deferral of compensation.
  • Participants are 100% vested in their retirement savings contributions account, rollover account and safe harbor matching and non-elective contributions accounts.
  • If a participant’s employment with the company ends for any reason other than retirement, permanent disability or death, he or she will vest in the employer discretionary non-elective and matching contributed balances in his or her account based on total years of service with the company.
  • Participants vest on a six-year graded schedule for employer discretionary non-elective and matching contributions.

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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