APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match

How APPLIED COMPUTING TECHNOLOGIES, INC. Supports Your Retirement Savings

APPLIED COMPUTING TECHNOLOGIES, INC. provides retirement savings benefits through APPLIED COMPUTING TECHNOLOGIES, INC. 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.

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST is $172,817.00

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST is $4,734.00. 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.
303,036.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,734.00 in APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in APPLIED COMPUTING TECHNOLOGIES, INC. 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.

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST allocates $484,659.00 to match its employees’ contributions, providing an employer match rate of 76.67% of their contributions

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST is approximately $3,877.00
Investing in this additonal $3,877.00 for 20 years would give you extra $248,145.00, 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.

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Plan Policies

APPLIED COMPUTING TECHNOLOGIES, INC. 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100% of compensation, not to exceed the maximum salary deferral limit and other limitations established by law.
  • Compensation includes wages, tips and other compensation as reported on Form W-2 plus pre-tax deferrals and pre-tax contributions made to a qualified cafeteria plan, minus taxable fringe benefits and certain other items as defined in the Plan documents.
  • Participants may elect to make deferral contributions as either pre-tax or Roth elective deferrals, or both.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions as allowed by the Internal Revenue Code (IRC).
  • $208,466 of employer matching contributions equal to 100% of an employee’s deferrals up to 4% of eligible compensation
  • Participants vest in Company matching contributions and profit sharing contributions and earnings over a three-year vesting period, as follows: 50% vesting after completion of two years of service, and 100% vesting after completion of three years of service.
  • Participants become 100% vested under certain other circumstances, including attainment of age 65, the Plan’s normal retirement age.

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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