PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Employer Match
How PARAMETRIC SOLUTIONS INC. Supports Your Retirement Savings
PARAMETRIC SOLUTIONS INC. provides retirement savings benefits through PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING 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.
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount
254,985.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,984.00 in PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING 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.
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $1,450.00 for 20 years would give you extra $92,802.00, 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.
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Match Policy
PARAMETRIC SOLUTIONS INC. 401(K) PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies
- Eligible participants may contribute on a pretax and/or Roth contributions from 1% to 75% of eligible compensation up to the limits prescribed in the Internal Revenue Code, which was $23,000 and $22,500 for years ended 2024 and 2023, respectively.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions in excess of the statutory limits of $23,000.
- The limit on catch-up contributions was $7,500 for plan years 2024 and 2023.
- If the participant does not complete a salary deferral agreement, make investment elections, or decline to participate within 30 days of eligibility, then the Company will automatically withhold 3% of eligible earnings from the participant’s paycheck each payroll period and contribute that amount to the Plan as a Pre-Tax Elective Deferral.
- The automatic contributions to the Plan will be invested in a default investment fund selected by the Company, which will be identified to the participant prior to the first automatic contribution.
- The deferrals will increase annually by 1% until the maximum deferral rate of 6% is reached.
- The Company makes a safe harbor matching contribution on 100% of the first 1% of participant elective deferrals plus 50% of the next 5% of elective deferrals, not to exceed a total matching contribution of 3.5% of eligible compensation.
- Vesting is the participant’s right to the contributions in their account that cannot be forfeited. Participants are 100% vested in their safe harbor employer match, elective deferrals, rollover contributions, plus actual earnings thereon. Vesting in the Company’s discretionary matching and nonelective contributions, plus actual earnings, if any, follow a
- 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:
| 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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