OCLC MATCHING THRIFT PLAN Contribution & Employer Match
How OCLC, INC. Supports Your Retirement Savings
OCLC, INC. provides retirement savings benefits through OCLC MATCHING THRIFT 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.
OCLC MATCHING THRIFT PLAN Average Participant Retirement Account Value
OCLC MATCHING THRIFT PLAN Estimated Average Employee Contribution Amount
394,944.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,171.00 in OCLC MATCHING THRIFT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OCLC MATCHING THRIFT 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.
OCLC MATCHING THRIFT PLAN Total Employer Contribution and Match Rate
OCLC MATCHING THRIFT PLAN Estimated Average Employer Match
Investing in this additonal $1,389.00 for 20 years would give you extra $88,924.00, 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.
OCLC MATCHING THRIFT PLAN Contribution & Match Policy
OCLC MATCHING THRIFT PLAN Contribution, Match and Other Plan Policies
- Employees of the Company and its controlled group of corporations who have attained 30 days employment may contribute up to 25% of their regular compensation through payroll deductions, with the exception of certain employees considered to be highly compensated.
- These participants’ contributions are limited to 7% of their regular compensation.
- Participants hired on or after January 1, 2013 are automatically enrolled in the Plan, making pretax contributions equal to 6% of their regular compensation.
- Participants may elect to change their deferral percentage or stop contributions at any time.
- Participants may also contribute amounts representing distributions from other qualified plans (rollovers).
- The Company makes matching contributions equal to 35% of participant contributions up to 6% of regular compensation.
- Participants are immediately 100% vested in their contributions plus actual earnings thereon. Vesting in employer matching contributions is based on credited years of service according to the following
- Less than 1 years: 0%
- 5+ years: 100%
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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