SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

How SCI ENGINEERING, INC. Supports Your Retirement Savings

SCI ENGINEERING, INC. provides retirement savings benefits through SCI ENGINEERING, INC. 401(K) RETIREMENT 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.

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN is $62,051.00

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN is $3,865.00. 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.
247,389.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,865.00 in SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SCI ENGINEERING, INC. 401(K) RETIREMENT 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.

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN allocates $416,416.00 to match its employees’ contributions, providing an employer match rate of 48.97% of their contributions

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN is approximately $1,652.00
Investing in this additonal $1,652.00 for 20 years would give you extra $105,756.00, 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.

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Plan Policies

SCI ENGINEERING, INC. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 75% of pre-tax or after-tax annual compensation, as defined in the Plan, subject to limitations prescribed by the Internal Revenue Code ("IRC").
  • Participants may also contribute amounts representing rollover distributions from other qualified defined contribution plans.
  • Additionally, the Plan permits participants who have attained age 50 to make "catch-up" contributions in accordance with, and subject to, the limitations present in the IRC.
  • For any eligible employee hired after February 1, 2008, if the eligible employee does not make an elective deferral election after receiving notice from the Plan sponsor, they will be deemed to have made an automatic deferral election of 3% of compensation.
  • Additionally, automatic deferral elections will increase by 1% on each anniversary date until they reach 10%.
  • The Plan includes a safe-harbor employer match contribution.
  • The employer will match participant contributed amounts equal to 100% of the first 3% of participants’ eligible compensation contributed to the Plan, and 50% of the next 2% of participants eligible compensation contributed to the Plan.
  • As defined by the Plan, the employer may also make discretionary contributions.
  • The employer did not make significant discretionary contributions in 2024 or 2023.
  • Participants are immediately vested in their contributions and the safe-harbor employer matching contributions plus actual earnings or losses thereon.
  • Vesting in the employer’s discretionary contributions and the related earnings or losses thereon, occurs 20% after the completion of two years of continuous service and 20% per year of completed continuous service thereafter.
  • Participants are automatically fully vested at their normal retirement date or upon death or becoming disabled, regardless of the number of years of participation.

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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