ONE MEMBER RETIREMENT PLAN Contribution & Employer Match
How PREMIER DISTRIBUTION COOPERATIVE, INC. Supports Your Retirement Savings
PREMIER DISTRIBUTION COOPERATIVE, INC. provides retirement savings benefits through ONE MEMBER RETIREMENT 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.
ONE MEMBER RETIREMENT PLAN Average Participant Retirement Account Value
ONE MEMBER RETIREMENT PLAN Estimated Average Employee Contribution Amount
269,240.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,206.00 in ONE MEMBER RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ONE MEMBER RETIREMENT 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.
ONE MEMBER RETIREMENT PLAN Total Employer Contribution and Match Rate
ONE MEMBER RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,662.00 for 20 years would give you extra $106,369.00, 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.
ONE MEMBER RETIREMENT PLAN Contribution & Match Policy
ONE MEMBER RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute an amount of annual compensation, up to 100% of their pre-tax compensation, subject to Internal Revenue Service (IRS) limitations.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
- Roth 401(k) deferrals are allowed under the Plan, if elected by Adopting Employers.
- A Participating Employer may make safe-harbor matching, discretionary profit-sharing contributions and/or discretionary matching contributions at an amount determined in accordance with the elections made in their respective adoption agreement.
- Vesting schedule: Vesting schedules are based on annual periods and range from immediate vesting upon eligibility to graduated vesting or cliff-vesting schedules up to six years, based on the Participating Employer’s elections.
- Participants are immediately vested in their individual contributions, as well as their Participating Employer’s safe-harbor contributions (if any), plus actual earnings or losses thereon.
- Participants become fully vested in their account upon reaching normal retirement age of sixty-five (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:
| 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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