PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Contribution & Employer Match
How PMC GROUP N.A., INC. Supports Your Retirement Savings
PMC GROUP N.A., INC. provides retirement savings benefits through PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES. 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.
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Average Participant Retirement Account Value
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Estimated Average Employee Contribution Amount
308,767.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,824.00 in PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES
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.
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Total Employer Contribution and Match Rate
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Estimated Average Employer Match
Investing in this additonal $2,939.00 for 20 years would give you extra $188,158.00, 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.
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Contribution & Match Policy
PMC GROUP 401(K) PLAN FOR COLLECTIVE BARGAINING EMPLOYEES Contribution, Match and Other Plan Policies
- Each year, participants may elect to voluntarily contribute up to 100% of pretax annual compensation, subject to limitations as defined in the Plan.
- Participants are also permitted to contribute Roth after-tax deferrals to the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- 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.
- Prior to November 2, 2019, unless otherwise elected, automatically enrolled participants had their deferral rate set at 3% of eligible compensation, which increases each first day of April by 1% up to a maximum of 10%.
- Effective November 2, 2019, newly eligible participants are automatically enrolled with their deferral rate set at 6% of eligible compensation.
- For PMC Biogenix, Inc., the Sponsor elected to match 50% of the first 5% of employee deferrals contributed to the Plan of eligible compensation.
- PMC Biogenix, Inc.
- employees also receive a profit-sharing employer contribution of 3% of eligible compensation.
- For Crystal, Inc.
- – PMC, Polymer Products Company, Inc., and Copperhead Chemical Company, Inc.
- the Sponsor elected to match 50% of the first 6% of employees’ deferrals contributed to the Plan.
- For PMC Organometallix (OMX) the Sponsor elected to match 100% of the first 6% of employees’ deferrals contributed to the Plan if hired before October 1, 2012 and 100% of the first 4% of the employees’ deferrals contributed to the Plan if hired after September 30, 2012.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Participants are vested in the Sponsor’s contributions plus actual earnings thereon based on years of continuous service.
- A participant is 100% vested after five years of service.
- Effective January 1, 2024 the Plan was amended to 100% vest all active participants in employer contributions immediately.
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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