PBS 401(K) PLAN Contribution & Employer Match

How PBS ENGINEERING AND ENVIRONMENTAL INC. Supports Your Retirement Savings

PBS ENGINEERING AND ENVIRONMENTAL INC. provides retirement savings benefits through PBS 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.

PBS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PBS 401(K) PLAN is $81,417.00

PBS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PBS 401(K) PLAN is $13,516.00. 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.
865,077.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,516.00 in PBS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PBS 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.

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

In 2024, PBS 401(K) PLAN allocates $1,030,861.00 to match its employees’ contributions, providing an employer match rate of 40.46% of their contributions

PBS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PBS 401(K) PLAN is approximately $2,734.00
Investing in this additonal $2,734.00 for 20 years would give you extra $175,000.00, 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.

PBS 401(K) PLAN Contribution & Match Policy

PBS 401(K) PLAN Plan Policies

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

  • Each year, eligible participants may contribute up to 100% of their compensation, not to exceed the annual maximum deferral amount as defined by law.
  • Catch-up contributions are permitted for eligible participants aged 50 or older by the end of a calendar year.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • The Plan also includes an auto-escalation provision whereby deferral rates will increase 1% each year, up to a maximum of 5%, unless the participant elects otherwise.
  • The Company makes a safe harbor matching contribution equal to 100% of the participants contributions up to 3% of their eligible compensation and 50% between 3% and 5% of their eligible compensation for a total contribution not to exceed 4% of their eligible compensation.
  • Total employer contributions for the year ended December 31, 2024 were $1,048,649, prior to applying forfeitures.
  • The Company may also make discretionary profit-sharing contributions.
  • A participant is 100% vested in the participant’s salary deferral amounts, rollover contributions, and safe harbor contributions and any earnings thereon regardless of the number of years of service. If a participant ceases participation except by retirement, death or permanent disability, the vested interest in employer contributions and earnings thereon is dependent upon the years of credited service.
  • Less than 1 years: 0%

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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