US INFORMATION SYSTEMS 401(K) PLAN Contribution & Employer Match

How UNITED STATES INFORMATION SYSTEMS, INC. Supports Your Retirement Savings

UNITED STATES INFORMATION SYSTEMS, INC. provides retirement savings benefits through US INFORMATION SYSTEMS 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.

US INFORMATION SYSTEMS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for US INFORMATION SYSTEMS 401(K) PLAN is $67,551.00

US INFORMATION SYSTEMS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for US INFORMATION SYSTEMS 401(K) PLAN is $4,403.00. 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.
281,835.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,403.00 in US INFORMATION SYSTEMS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in US INFORMATION SYSTEMS 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.

US INFORMATION SYSTEMS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, US INFORMATION SYSTEMS 401(K) PLAN allocates $436,651.00 to match its employees’ contributions, providing an employer match rate of 13.00% of their contributions

US INFORMATION SYSTEMS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in US INFORMATION SYSTEMS 401(K) PLAN is approximately $622.00
Investing in this additonal $622.00 for 20 years would give you extra $39,865.00, 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.

US INFORMATION SYSTEMS 401(K) PLAN Contribution & Match Policy

US INFORMATION SYSTEMS 401(K) PLAN Plan Policies

US INFORMATION SYSTEMS 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute an amount up to 90% of pre-tax annual compensation, as defined in the Plan, subject to the maximum allowable amount under the IRC, including catch-up amounts for participants aged 50 and older, as defined in 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 5% of eligible compensation, with annual increases of 1% until deferrals reach a cap of 10%.
  • Participants may also contribute rollover amounts representing distributions from other qualified defined benefit or contribution plans.
  • The Company makes discretionary matching contributions to eligible non-union employees, at a percentage determined each year by the Company’s Board of Directors.
  • In order to share in the matching contribution, a participant must be actively employed on the last day of the quarter and have six months of eligibility service during the Plan year.
  • For the year ended December 31, 2024, the Company made discretionary matching contributions of $401,887.
  • Vesting schedule:
  • 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:

 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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