ALLIANZ ASSET ACCUMULATION PLAN Contribution & Employer Match
How AZOA SERVICES CORPORATION Supports Your Retirement Savings
AZOA SERVICES CORPORATION provides retirement savings benefits through ALLIANZ ASSET ACCUMULATION 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.
ALLIANZ ASSET ACCUMULATION PLAN Average Participant Retirement Account Value
ALLIANZ ASSET ACCUMULATION PLAN Estimated Average Employee Contribution Amount
583,568.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,118.00 in ALLIANZ ASSET ACCUMULATION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ALLIANZ ASSET ACCUMULATION 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.
ALLIANZ ASSET ACCUMULATION PLAN Total Employer Contribution and Match Rate
ALLIANZ ASSET ACCUMULATION PLAN Estimated Average Employer Match
Investing in this additonal $5,832.00 for 20 years would give you extra $373,271.00, 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.
ALLIANZ ASSET ACCUMULATION PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 80% of their eligible compensation each payroll period.
2. Employer Match/Contribution Conditions: For employees of Participating Companies (except AGA), the employer matches 100% of employee before-tax and Roth contributions up to 7.5% of eligible compensation. For employees of AGA, the employer matches 50% of employee before-tax and Roth contributions up to 8% of eligible compensation, with a maximum match of 4% of eligible compensation. Additionally, an extra discretionary matching contribution may be declared each year based on company performance.
3. Vesting Schedule/Eligibility: Employer contributions become fully vested after three years of vesting service. If a Member attains age 65, becomes disabled, or dies while employed, they are immediately vested.
4. Yes, the plan allows for Roth 401(k) contributions.
ALLIANZ ASSET ACCUMULATION PLAN Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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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