SYSTEMS LLC 401K PLAN Contribution & Employer Match
How SYSTEMS, LLC Supports Your Retirement Savings
SYSTEMS, LLC provides retirement savings benefits through SYSTEMS LLC 401K 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.
SYSTEMS LLC 401K PLAN Estimated Average Employee Contribution Amount
510,361.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,974.00 in SYSTEMS LLC 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SYSTEMS LLC 401K 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.
SYSTEMS LLC 401K PLAN Total Employer Contribution and Match Rate
SYSTEMS LLC 401K PLAN Estimated Average Employer Match
Investing in this additonal $1,021.00 for 20 years would give you extra $65,361.00, 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.
SYSTEMS LLC 401K PLAN Contribution & Match Policy
SYSTEMS LLC 401K PLAN Contribution, Match and Other Plan Policies
- Eligible participants are permitted to contribute up to 60% of eligible compensation as pretax 401(k) or Roth contributions to the Plan.
- The Plan includes an auto enrollment provision whereby all newly eligible employees 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 6% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
- All auto-enrolled employees are subject to an annual 1% auto increase until the participant reaches a maximum 10% deferral rate, unless the employee opts out of an increase or if they electively change their deferral percentage from the default auto-enrolled percentage.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions up to IRC limits.
- The Company match contribution is nondiscretionary.
- For the year ended December 31, 2024, the Company matching contribution was 50% of the first 6% of eligible compensation deferred by a participant to the Plan.
- Participants are immediately vested in their contributions plus actual earnings thereon. Vesting in the Company matching and nonelective contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service. The
- Less than 2 years: 0%
- 5+ years: 100%
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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