MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Contribution & Employer Match
How MATHEMATICA GROUP HOLDING INC. Supports Your Retirement Savings
MATHEMATICA GROUP HOLDING INC. provides retirement savings benefits through MATHEMATICA GROUP HOLDING INC. 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.
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Average Participant Retirement Account Value
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
687,890.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,748.00 in MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MATHEMATICA GROUP HOLDING INC. 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.
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Total Employer Contribution and Match Rate
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $2,538.00 for 20 years would give you extra $162,471.00, 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.
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Contribution & Match Policy
MATHEMATICA GROUP HOLDING INC. PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 75% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants aged 60-63 are eligible to make additional catch-up contributions.
- Participants also may contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
- The Plan includes an automatic 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 rate set at 6% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- Automatically enrolled participants will have their deferral rate increase by 1% on the anniversary of their enrollment date until their deferral rate reaches 10%.
- Additional profit sharing amounts may be contributed at the option of the board of directors.
- The Company’s board of directors declares a profit sharing contribution rate based on the Company’s profit rate for the year, at a minimum of 1% each year.
- In the event that the profit rate is 2% or higher, the profit rate is divided in half and is allocated among a base contribution and a discretionary match contribution.
- During the plan year ended December 31, 2024, the profit rate was 3.38%.
- All eligible employees receive a base contribution.
- The discretionary matching contribution may be made by the Company up to a maximum of 6% of pre-tax or post-tax compensation, as defined by the Plan only if an employee has elected to make employee salary deferrals during the plan year.
- Participants are vested immediately in their contributions and the Company’s contributions plus actual earnings thereon.
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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