SHELTER SYSTEMS, LTD. 401(K) PLAN Contribution & Employer Match
How SHELTER SYSTEMS LIMITED Supports Your Retirement Savings
SHELTER SYSTEMS LIMITED provides retirement savings benefits through SHELTER SYSTEMS, LTD. 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.
SHELTER SYSTEMS, LTD. 401(K) PLAN Average Participant Retirement Account Value
SHELTER SYSTEMS, LTD. 401(K) PLAN Estimated Average Employee Contribution Amount
263,514.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,117.00 in SHELTER SYSTEMS, LTD. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SHELTER SYSTEMS, LTD. 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.
SHELTER SYSTEMS, LTD. 401(K) PLAN Total Employer Contribution and Match Rate
SHELTER SYSTEMS, LTD. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $3,117.00 for 20 years would give you extra $199,488.00, 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.
SHELTER SYSTEMS, LTD. 401(K) PLAN Contribution & Match Policy
SHELTER SYSTEMS, LTD. 401(K) PLAN Contribution, Match and Other Plan Policies
- Eligible participants may defer amounts from 1% to 15% (in whole percentages) of their compensation, not to exceed the limits of Internal Revenue Code ("IRC") sections 401(K), 402(g), 404 and 415 of $23,000 and $22,500 for 2024 and 2023, respectively.
- All employees over the age of 50 before the close of the Plan year are eligible to make catch-up contributions totaling $7,500 per year under IRC Sections 401 (a)(30), 402(g), 414(v) for 2024 and 2023.
- The Company may contribute a discretionary base matching contribution throughout the Plan year based on a percentage of elective employee deferrals.
- The year-end discretionary matching contribution equaled 75% and 100% of the elective deferrals participants contributed to the Plan for the years ended December 31, 2024 and 2023, respectively.
- Vesting schedule:
- Less than 1 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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