ORION 401(K) RETIREMENT PLAN Contribution & Employer Match
How ORION Supports Your Retirement Savings
ORION provides retirement savings benefits through ORION 401(K) 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.
ORION 401(K) RETIREMENT PLAN Average Participant Retirement Account Value
ORION 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount
361,454.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,647.00 in ORION 401(K) RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ORION 401(K) 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.
ORION 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate
ORION 401(K) RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,525.00 for 20 years would give you extra $161,648.00, 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.
ORION 401(K) RETIREMENT PLAN Contribution & Match Policy
ORION 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to make pre-tax and/or Roth salary deferral contributions to the Plan of up to 80% of their eligible compensation subject to certain limitations.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan also allows for after-tax employee contributions up to 10% of eligible compensation.
- Participants may also make rollover contributions from another eligible retirement plan subject to approval by the plan administrator and to provisions in the Plan agreement.
- The safe harbor matching contribution equals 100% of the participant’s deferral up to 3% of the participant’s eligible compensation plus 50% of the participant’s deferral in excess of 3%, but not exceeding 5% of the participant’s eligible compensation for each pay period the participant made deferral contributions to the Plan.
- The Company may also make an additional matching contribution for all participants employed on the last day of the plan year.
- There were no additional matching contributions made for 2024.
- Participants are at all times fully vested in their deferral, rollover, and safe harbor matching contributions and the appreciation or depreciation thereon.
- Vesting in the Company’s discretionary matching contribution (discontinued effective January 1, 2023) or additional matching contribution plus earnings thereon is based on years of continuous service.
- Participants vest 25% per year after one year of service and are 100% vested after four years of service.
- A participant shall be immediately vested upon death, retirement, or termination of employment due to total and permanent disability.
- Normal retirement age under the Plan is 65.
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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