CHOICE POOLED EMPLOYER PLAN I Contribution & Employer Match

How ADMINISTRATIVE GROUP, LLC DBA TRANSAMERICA FIDUCIARY SERVICES Supports Your Retirement Savings

ADMINISTRATIVE GROUP, LLC DBA TRANSAMERICA FIDUCIARY SERVICES provides retirement savings benefits through CHOICE POOLED EMPLOYER PLAN I. 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.

CHOICE POOLED EMPLOYER PLAN I Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CHOICE POOLED EMPLOYER PLAN I is $5,891.00

CHOICE POOLED EMPLOYER PLAN I Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CHOICE POOLED EMPLOYER PLAN I is $5,573.00. 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.
356,727.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,573.00 in CHOICE POOLED EMPLOYER PLAN I, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CHOICE POOLED EMPLOYER PLAN I

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.

CHOICE POOLED EMPLOYER PLAN I Total Employer Contribution and Match Rate

In 2024, CHOICE POOLED EMPLOYER PLAN I allocates $10,798,838.00 to match its employees’ contributions, providing an employer match rate of 48.39% of their contributions

CHOICE POOLED EMPLOYER PLAN I Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CHOICE POOLED EMPLOYER PLAN I is approximately $1,348.00
Investing in this additonal $1,348.00 for 20 years would give you extra $86,315.00, 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.

CHOICE POOLED EMPLOYER PLAN I Contribution & Match Policy

CHOICE POOLED EMPLOYER PLAN I Plan Policies

CHOICE POOLED EMPLOYER PLAN I Contribution, Match and Other Plan Policies

  • Each year, eligible participants may make pre-tax, Roth, and/or after-tax contributions of their eligible compensation, as defined by the PEP and Participating Employer adoption agreement, subject to applicable limits established by law.
  • Under certain circumstances, eligible employees may make rollover contributions to the PEP.
  • Participants who have attained age 50 before the end of the calendar year are eligible to make catch-up contributions.
  • Participating Employers may elect safe harbor or non-safe harbor contribution provisions as well as compensation definitions.
  • Under the terms of the Participating Employer adoption agreements, the Participating Employers may elect to make matching contributions, profit-sharing contributions, prevailing wage contributions, qualified nonelective contributions (QNECs), and qualified matching contributions (QMACs), to the PEP.
  • Participating Employers may also elect to make true-up matching contributions.
  • Participants are immediately vested in their individual contributions and their Participating Employer’s safe harbor contributions, if any, plus actual earnings or losses thereon.
  • Vesting in any other Participating Employer’s other contributions portion of their accounts, plus actual earnings thereon, is based on years of service, ranging from immediate to six years based on graded or cliff vesting schedules, as elected by each Participating Employer.
  • Participant accounts become fully vested upon reaching normal retirement age (65), death, or disability.

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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