according to Alberts capabiliti calculations:
3) Reload
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Reload is capped on 50% basic value of time of reload given on trainworld.us, for every gun. so basicly we have reached cap on reload when sailor have:
--> 2070k true ability <--
example counts for gunners (10+, 100v, boost) they reach reload cap:
UK rel gunner : lvl58
UK acc gunner : lvl113
UK AA gunner : lvl120 (only with base 12+ and 190+ vets)
KM gunner : lvl83
KM AA : lvl90
True abillity is counted from:

where:
gdzie:
N(vets) = number of veterana
N(experts) = number of experts
N(tot) = sum of rookies, experts&vets on sailor
N(max) = maximal possible number of rookies, experts&vets on sailor (usually N(tot)=N(max) but if you have gimped crew it's not)
ability displayed = ability displayed on sailor charts