PBMARES 401(K) PLAN Contribution & Employer Match

How PBMARES LLP Supports Your Retirement Savings

PBMARES LLP provides retirement savings benefits through PBMARES 401(K) 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.

PBMARES 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PBMARES 401(K) PLAN is $145,893.00

PBMARES 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PBMARES 401(K) PLAN is $8,114.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
519,359.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,114.00 in PBMARES 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PBMARES 401(K) 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.

PBMARES 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PBMARES 401(K) PLAN allocates $620,570.00 to match its employees’ contributions, providing an employer match rate of 16.83% of their contributions

PBMARES 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PBMARES 401(K) PLAN is approximately $1,375.00
Investing in this additonal $1,375.00 for 20 years would give you extra $88,063.00, 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.

PBMARES 401(K) PLAN Contribution & Match Policy

PBMARES 401(K) PLAN Plan Policies

PBMARES 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a portion of their pretax annual compensation, as defined in the Plan.
  • Participants may also elect to designate their salary deferrals as after-tax Roth deferrals.
  • In addition, participants may also elect to defer up to 100% of any bonuses paid to them during the year.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • For 2024 and 2023, the Plan also made discretionary matching contributions in the amount of 25% of up to the first 8% of eligible compensation that a participant contributes to the Plan.
  • For the 2024 and 2023 Plan years, the Company made discretionary profit sharing contributions equal to 1% of eligible compensation to eligible employees as defined in the Plan.
  • Participants are vested immediately in their voluntary contributions and rollover amounts, plus actual earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
  • A participant is 100% vested after three years of credited service.
  • Former Witt Mares employees who were not active on January 1, 2014 vest according to the Witt Mares 401(k) Retirement Plan vesting schedule of 100% after six years of service.
  • Employer safe harbor matching contributions made to employees under the former TMDG, LLC 401(k) Plan and the employer matching contributions made to employees under the former PBGH LLP 401(k) Profit Sharing Plan are immediately 100% vested.

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:

 20242025
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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