PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Contribution & Employer Match
How PIEDMONT COMMUNITY ACTIONS, INC. Supports Your Retirement Savings
PIEDMONT COMMUNITY ACTIONS, INC. provides retirement savings benefits through PIEDMONT COMMUNITY ACTIONS, INC. 403(B) 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.
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Average Participant Retirement Account Value
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Estimated Average Employee Contribution Amount
66,294.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,035.00 in PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PIEDMONT COMMUNITY ACTIONS, INC. 403(B) 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.
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Total Employer Contribution and Match Rate
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $835.00 for 20 years would give you extra $53,484.00, 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.
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Contribution & Match Policy
PIEDMONT COMMUNITY ACTIONS, INC. 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year, participants must contribute a minimum of 3.0% of pretax annual compensation, as defined in the Plan.
- Participants may contribute additional elective deferrals above the 3.0% minimum.
- Also, participants may contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- Participants who have attained age 50 during a calendar year are eligible to make catch-up contributions.
- The Plan Sponsor contributes at the option of its Board of Directors, subject to certain limitations.
- Participants who are at least 21 years old become eligible for the Plan Sponsor’s contributions after 6 months of service.
- The Plan Sponsor’s contributions may be used to match a specified percentage of the compensation th (text appears to be truncated in source document)
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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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