NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Contribution & Employer Match
How NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Supports Your Retirement Savings
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS provides retirement savings benefits through NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS. 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.
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Average Participant Retirement Account Value
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Estimated Average Employee Contribution Amount
461,640.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,213.00 in NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS
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.
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Total Employer Contribution and Match Rate
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Estimated Average Employer Match
Investing in this additonal $2,078.00 for 20 years would give you extra $133,021.00, 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.
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Contribution & Match Policy
NINYO & MOORE GEOTECHNICAL & ENVIRONMENTAL SCIENCES CONSULTANTS Contribution, Match and Other Plan Policies
- The Plan provides for automatic enrollment and elective deferral contributions.
- Eligible participants are permitted to elect to have up to 100% of their compensation contributed as pre-tax 401(k) or Roth contributions to the Plan.
- The automatic elective deferral contributions are pre-tax elective deferral contributions and are 6% of compensation.
- The automatic elective deferral contribution is automatically increased on or after each first day of the Plan year by 1% up to a maximum automatic elective deferral contribution of 10%.
- Participants may affirmatively elect a different percentage up to an annual maximum as determined by the Internal Revenue Code or elect not to make elective deferral contributions.
- The Company may make a discretionary additional matching contribution and match participants’ elective deferrals up to 6% of base compensation of each participant.
- If the Company makes a discretionary additional matching contribution, the discretionary additional matching contribution will be based on the participant’s eligible compensation deferred into the Plan each Plan year.
- Discretionary matching contributions are limited to 4% of eligible compensation contributed to the Plan.
- For the year ended December 31, 2024, the Company did not make any discretionary matching contributions.
- Participants are fully vested in their contributions, rollover contributions and all earnings thereon. Company matching contributions and discretionary matching contributions are vested under the following schedule: 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:
| 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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