NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Contribution & Employer Match
How NLP ENTERPRISES INC. Supports Your Retirement Savings
NLP ENTERPRISES INC. provides retirement savings benefits through NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST. 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.
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Average Participant Retirement Account Value
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Estimated Average Employee Contribution Amount
106,599.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,665.00 in NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST
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.
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Total Employer Contribution and Match Rate
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $5,206.00 for 20 years would give you extra $333,236.00, 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.
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Contribution & Match Policy
NLP ENTERPRISES INC. DAVIS-BACON PENSION PLAN AND TRUST Contribution, Match and Other Plan Policies
- Participants may make salary reduction contributions up to 100% of annual compensation, as defined in the Plan, subject to certain annual limitations in the Internal Revenue Code.
- Each year at the Company’s discretion, the Company may make a matching and profit-sharing contribution to the Plan.
- The Company made a discretionary matching contribution for all eligible participants equal to 3% of employee deferrals, up to a deferral rate of 3%, for the year ended December 31, 2024.
- Participants are immediately vested in their voluntary contributions and the Company’s matching contributions plus actual earnings thereon.
- A participant is fully vested in the Company’s discretionary contributions upon three years of credited service, retirement, disability (as defined by the Plan), or death.
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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