ACTION PACT, INC. 403(B) PLAN Contribution & Employer Match

How ACTION PACT, INC. Supports Your Retirement Savings

ACTION PACT, INC. provides retirement savings benefits through ACTION PACT, 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.

ACTION PACT, INC. 403(B) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ACTION PACT, INC. 403(B) PLAN is $20,045.00

ACTION PACT, INC. 403(B) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ACTION PACT, INC. 403(B) PLAN is $699.00. 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.
44,780.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 699.00 in ACTION PACT, INC. 403(B) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ACTION PACT, 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.

ACTION PACT, INC. 403(B) PLAN Total Employer Contribution and Match Rate

In 2024, ACTION PACT, INC. 403(B) PLAN allocates $131,595.00 to match its employees’ contributions, providing an employer match rate of 43.04% of their contributions

ACTION PACT, INC. 403(B) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ACTION PACT, INC. 403(B) PLAN is approximately $297.00
Investing in this additonal $297.00 for 20 years would give you extra $19,011.00, 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.

ACTION PACT, INC. 403(B) PLAN Contribution & Match Policy

ACTION PACT, INC. 403(B) PLAN Plan Policies

ACTION PACT, INC. 403(B) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pretax annual compensation as defined in 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.
  • Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and their contributions invested in the qualified default investment alternative until changed by the participant.
  • Deferral rates for auto-enrolled participants are automatically escalated by 1% each year up to 10%.
  • The Sponsor provides a discretionary match currently equal to 75% of the first 6% of Plan compensation that a participant elects to defer to the Plan.
  • Participants are vested immediately in their contributions plus actual earnings (losses) thereon.
  • The vesting period for the employer discretionary match and the non-elective contributions is based on the following years of service: Vesting Percentage Years of service: Less than two 0% Two 20% Three 40% Four 60% Five 80% Six 100%

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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