ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Contribution & Employer Match
How ADVANCED TECHNOLOGY & RESEARCH CORP. Supports Your Retirement Savings
ADVANCED TECHNOLOGY & RESEARCH CORP. provides retirement savings benefits through ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT 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.
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Average Participant Retirement Account Value
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount
293,129.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,580.00 in ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT 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.
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,654.00 for 20 years would give you extra $105,861.00, 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.
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Contribution & Match Policy
ADVANCED TECHNOLOGY & RESEARCH CORP. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Eligible participants may contribute up to 50% of a participant’s eligible compensation as defined in the Plan.
- 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 are invested in a designated balanced fund until changed by the participant.
- The Plan does not provide for automatic escalations of the automatic deferral percentage.
- In addition, the Plan allows for catch up contributions by employees aged 50 years and older before the end of the Plan year.
- For 2024, the Company elected to match 100% of each participant’s deferral contributions up to $150 and 50% of the next $150 per pay period.
- Participants employed with the Company before January 1, 2020 are immediately vested in all contributions, as well as actual earnings and losses thereon.
- Participants who become employed with the Company on or after January 1, 2020 are 100% vested in employer discretionary matching contributions upon attainment of retirement age of 65 or ratably over a three-year schedule as follows: Years of Service Vesting (%) Less than one 25 One 50 Two 75 Three 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:
| 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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