CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Contribution & Employer Match
How CLARKSTON-POTOMAC GROUP, INC. Supports Your Retirement Savings
CLARKSTON-POTOMAC GROUP, INC. provides retirement savings benefits through CLARKSTON-POTOMAC GROUP, INC. 401(K) 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.
CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Average Participant Retirement Account Value
CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Estimated Average Employee Contribution Amount
617,802.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,653.00 in CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CLARKSTON-POTOMAC GROUP, INC. 401(K) 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.
CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Total Employer Contribution and Match Rate
CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $4,614.00 for 20 years would give you extra $295,297.00, 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.
CLARKSTON-POTOMAC GROUP, INC. 401(K) PLAN & TRUST Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 100% of annual compensation on a pretax or post-tax basis.
2. Employer Match/Contribution Conditions: The Company may make discretionary employer matching contributions as authorized, but no matching contributions were made for the plan year ended December 31, 2022. Profit-sharing contributions require participants to be employed as of the last day of the Plan quarter.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions plus actual earnings. Vesting in the Company’s matching and profit-sharing contributions is based on years of service, with 100% vesting after six years. Eligibility includes completing at least 1,000 hours of service.
4. Roth 401(k) Contribution: The information regarding Roth 401(k) contributions is not provided.
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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