ARORA AND ASSOCIATES, P.C. PENSION PLAN Contribution & Employer Match
How ARORA AND ASSOCIATES, P.C. Supports Your Retirement Savings
ARORA AND ASSOCIATES, P.C. provides retirement savings benefits through ARORA AND ASSOCIATES, P.C. PENSION 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.
ARORA AND ASSOCIATES, P.C. PENSION PLAN Average Participant Retirement Account Value
ARORA AND ASSOCIATES, P.C. PENSION PLAN Estimated Average Employee Contribution Amount
1,207,028.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 18,859.00 in ARORA AND ASSOCIATES, P.C. PENSION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ARORA AND ASSOCIATES, P.C. PENSION 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.
ARORA AND ASSOCIATES, P.C. PENSION PLAN Total Employer Contribution and Match Rate
ARORA AND ASSOCIATES, P.C. PENSION PLAN Estimated Average Employer Match
Investing in this additonal $8,284.00 for 20 years would give you extra $530,230.00, 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.
ARORA AND ASSOCIATES, P.C. PENSION PLAN Contribution & Match Policy
ARORA AND ASSOCIATES, P.C. PENSION PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 50% of their compensation, not to exceed the annual maximum deferral amount as defined by law.
- Catch-up contributions are permitted for eligible participants age 50 or older by the end of a calendar year.
- 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 rates set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- The Plan also includes an auto-escalation provision whereby deferral rates will increase 1% each year on the participant’s hire date anniversary, up to a maximum of 10%, unless the participant elects otherwise.
- For the year ended December 31, 2024, the matching contribution was 15% of the participant’s salary deferral, excluding catch-up contributions, to a maximum of 10% of the participant’s eligible compensation.
- Vesting schedule:
- Less than 2 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:
| 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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