ADAPT 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match

How ADAPT Supports Your Retirement Savings

ADAPT provides retirement savings benefits through ADAPT 401(K) PROFIT SHARING PLAN & 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.

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ADAPT 401(K) PROFIT SHARING PLAN & TRUST is $35,347.00

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ADAPT 401(K) PROFIT SHARING PLAN & TRUST is $3,307.00. 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.
211,666.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,307.00 in ADAPT 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ADAPT 401(K) PROFIT SHARING PLAN & 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.

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, ADAPT 401(K) PROFIT SHARING PLAN & TRUST allocates $1,494,680.00 to match its employees’ contributions, providing an employer match rate of 78.26% of their contributions

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ADAPT 401(K) PROFIT SHARING PLAN & TRUST is approximately $2,317.00
Investing in this additonal $2,317.00 for 20 years would give you extra $148,309.00, 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.

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Plan Policies

ADAPT 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies

  • Employee contributions consist of the amount of salary deferral elected by each participant.
  • Participants are limited in their Section 401(k) salary deferral contributions by discrimination testing of Section 401(k) of the Internal Revenue Code.
  • The maximum Section 401(k) contribution amount, per participant, was $23,000 for 2024 ($22,500 for 2023).
  • However, for participants age 50 and above, additional "catch-up" contributions were allowed, up to $7,500 and $7,500 for 2024 and 2023, respectively for a total annual amount of $30,500 for 2024 ($30,000 for 2023).
  • Employees were allowed to designate all or a portion of their salary deferrals as Roth after-tax contributions.
  • Employees may also contribute amounts representing "rollover" distributions from other qualified defined benefit or contribution plans and Individual Retirement Accounts.
  • Adapt’s profit sharing contribution to the Plan is determined annually at the discretion of the Organization’s Board of Directors.
  • For 2024 and 2023, Adapt elected to make a profit sharing contribution equal to 5% of each eligible participant’s eligible annual compensation.
  • For years ending 2024 and 2023, Adapt’s profit sharing contribution totaled $1,494,680 and $1,402,741, respectively.
  • Employee voluntary contributions are 100% vested at all times. The net assets which were transferred into the Plan upon its merger with the Adapt Money Purchase Pension Plan represent current and prior year employer pension contributions and earnings thereon. Vested interest in the employer pension and discretionary profit sharing contributions plus the earnings thereon is calculated at 20% per year of service, beginning with the participant’s first full year of service and reaching 100% at the end of five years of credited service, or attainment of the Plan’s normal retirement age of 55. Years of Service Vesting
  • 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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