PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Contribution & Employer Match

How PACIFICORP Supports Your Retirement Savings

PACIFICORP provides retirement savings benefits through PACIFICORP K PLUS EMPLOYEE SAVINGS 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.

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN is $248,631.00

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN is $8,284.00. 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.
530,210.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,284.00 in PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PACIFICORP K PLUS EMPLOYEE SAVINGS 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.

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN allocates $57,247,481.00 to match its employees’ contributions, providing an employer match rate of 97.84% of their contributions

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN is approximately $8,035.00
Investing in this additonal $8,035.00 for 20 years would give you extra $514,295.00, 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.

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Contribution & Match Policy

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Plan Policies

PACIFICORP K PLUS EMPLOYEE SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute a percentage of their pre-tax annual compensation, as defined by the Plan ("Pre-Tax Contributions").
  • Different percentages can apply to separate employee groups, but the maximum percentage is 50.0% of eligible compensation, subject to an Internal Revenue Service ("IRS") limitation of $23,000 for the year ended December 31, 2024.
  • Participants may elect to designate all or part of their pre-tax contributions as "Roth Contributions" with such contributions included in the participant’s taxable income in the year of contribution.
  • 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 3% of eligible compensation and their contributions invested in a designated target-date investment fund until changed by the participant.
  • A participant who has attained the age of 50 prior to the end of the plan year is eligible to make additional Pre-Tax Contributions or Roth Contributions to the Plan of up to $7,500 for the year ended December 31, 2024.
  • For non-union participants ("Non-Union Matching Contribution"), the Non-Union Matching Contribution is equal to 100% of the participant’s Pre-Tax Contributions and/or Roth Contributions on the first 6.0% of the participant’s eligible annual compensation, as defined by the Plan.
  • Vesting schedule:
  • Less than 1 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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