ATL RETIREMENT & SAVINGS PLAN Contribution & Employer Match

How ADVANCED TECHNOLOGY LEADERS, INC Supports Your Retirement Savings

ADVANCED TECHNOLOGY LEADERS, INC provides retirement savings benefits through ATL RETIREMENT & SAVINGS 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.

ATL RETIREMENT & SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ATL RETIREMENT & SAVINGS PLAN is $17,424.00

ATL RETIREMENT & SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ATL RETIREMENT & SAVINGS PLAN is $5,899.00. 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.
377,595.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,899.00 in ATL RETIREMENT & SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ATL RETIREMENT & SAVINGS 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.

ATL RETIREMENT & SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, ATL RETIREMENT & SAVINGS PLAN allocates $367,840.00 to match its employees’ contributions, providing an employer match rate of 43.15% of their contributions

ATL RETIREMENT & SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ATL RETIREMENT & SAVINGS PLAN is approximately $1,272.00
Investing in this additonal $1,272.00 for 20 years would give you extra $81,459.00, 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.

ATL RETIREMENT & SAVINGS PLAN Contribution & Match Policy

ATL RETIREMENT & SAVINGS PLAN Plan Policies

ATL RETIREMENT & SAVINGS PLAN Contribution, Match and Other Plan Policies

  • For the year ended December 31, 2024, participants may contribute from 1% to 90% of compensation, up to the IRS maximum percentage of pretax annual compensation, as defined in the Plan.
  • Roth contributions are also allowed.
  • Participants may also contribute amounts representing distributions from other qualified plans.
  • Participants direct the investment of their contributions into various investment options offered by the Plan.
  • Catch-up Contributions – For the year ended December 31, 2024, if a participant is eligible to make deferrals and turns 50 before the end of the calendar year, the participant may defer an additional catch-up contribution into the Plan as a pre-tax contribution subject to certain IRC limitations and limits as defined by the Plan.
  • The Sponsor will make safe harbor matching contributions to the Plan authorized by the board of directors of the Sponsor.
  • The Sponsor made required safe harbor matching contributions of 100% of the first 4% of participant contributions totaling $351,114 for the Plan year ended December 31, 2024.
  • Participants are vested immediately in their contributions and actual earnings thereon, as well as the Sponsor’s safe harbor matching contributions. The Sponsor’s nonelective contributions will be vested according to the following schedule: Years of Service
  • 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:

 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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