ATHENS SERVICES 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How ATHENS SERVICES Supports Your Retirement Savings

ATHENS SERVICES provides retirement savings benefits through ATHENS SERVICES 401(K) PROFIT SHARING 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.

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ATHENS SERVICES 401(K) PROFIT SHARING PLAN is $51,002.00

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ATHENS SERVICES 401(K) PROFIT SHARING PLAN is $4,441.00. 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.
284,267.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,441.00 in ATHENS SERVICES 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ATHENS SERVICES 401(K) PROFIT SHARING 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.

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, ATHENS SERVICES 401(K) PROFIT SHARING PLAN allocates $6,913,371.00 to match its employees’ contributions, providing an employer match rate of 71.68% of their contributions

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ATHENS SERVICES 401(K) PROFIT SHARING PLAN is approximately $2,891.00
Investing in this additonal $2,891.00 for 20 years would give you extra $185,050.00, 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.

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Contribution & Match Policy

ATHENS SERVICES 401(K) PROFIT SHARING PLAN Plan Policies

ATHENS SERVICES 401(K) PROFIT SHARING 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 may also elect to make Roth contributions utilizing after-tax compensation.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan requires the Company to make discretionary matching contributions of 50% of employee deferred compensation up to the first 6% of compensation contributed by the employee, resulting in a maximum matching contribution of 3%.
  • The Plan also allows for the Company to make discretionary matching contributions.
  • For the year ending December 31, 2024, the Company made matching contributions of $3,322,752, but did not choose to make a discretionary match.
  • Participants are immediately 100% vested in their contributions and safe harbor employer contributions, plus actual earnings thereon.
  • The Company’s profit sharing contributions, matching contributions and earnings thereon will be vested in accordance with the following schedule: Years of Service – Percentage Vested: 1 – 0% 2 – 20% 3 – 40% 4 – 60% 5 – 80% 6 or more – 100% A participant who is an employee on or after the date the participant reaches normal retirement age (as defined by the Plan) will be 100% vested in employer contributions.

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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