PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Contribution & Employer Match
How PACIFIC OFFICE AUTOMATION, INC. Supports Your Retirement Savings
PACIFIC OFFICE AUTOMATION, INC. provides retirement savings benefits through PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION 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.
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Average Participant Retirement Account Value
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Estimated Average Employee Contribution Amount
259,405.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,053.00 in PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION 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.
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Total Employer Contribution and Match Rate
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Estimated Average Employer Match
Investing in this additonal $2,251.00 for 20 years would give you extra $144,072.00, 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.
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Contribution & Match Policy
PACIFIC OFFICE AUTOMATION CAPITAL ACCUMULATION PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute between 1% and 100% of pretax annual compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- For the year ended December 31, 2024, the Company made matching contributions equal to 103% of employee contributions up to 6% of eligible employee compensation totaling $3,591,645.
- Participants are vested immediately in their contributions plus actual earnings thereon. Vesting in the Company’s contribution portion of their accounts is based on years of continuous service. To be credited with a year of service, participants must work at least 1,000 hours during the plan year. Vesting is accelerated upon death, disability, or normal retirement at which point a participant becomes 100% vested. Participants vest in the Company’s contributions based on the following schedule: Years of Service
- 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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