SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Employer Match

How SPS COMMERCE, INC. Supports Your Retirement Savings

SPS COMMERCE, INC. provides retirement savings benefits through SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS 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.

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN is $91,927.00

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN is $10,039.00. 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.
642,553.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,039.00 in SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS 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.

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN allocates $5,730,415.00 to match its employees’ contributions, providing an employer match rate of 30.11% of their contributions

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN is approximately $2,480.00
Investing in this additonal $2,480.00 for 20 years would give you extra $158,764.00, 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.

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Match Policy

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Plan Policies

SPS COMMERCE, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Pretax and Roth contributions made pursuant to participant election deferrals are permitted in whole percentages from 1% to 80% of the participant’s compensation, subject to limits established by law.
  • Participants who will be age 50 or older by the end of the Plan year are permitted to make catch-up contributions.
  • The Company matches half of the participant’s elective deferrals, up to the first 6% of the participant’s pre-tax compensation for each pay period.
  • Half of the match is in Company stock and the other half of the match is allocated in the same manner as the participant investment election(s).
  • Hire date prior to January 1, 2018: immediately 100%.
  • Hire date January 1, 2018 or after: less than two years of service: 0%; two years or more of service: 100%.
  • Plan participants from defined contribution retirement plans merged into the Plan are generally fully vested in all balances transferred into the Plan.

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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