PDOA 401(K) PLAN Contribution & Employer Match

How PEDIATRIC DENTAL AND ORTHODONTIC ASSOCIATES Supports Your Retirement Savings

PEDIATRIC DENTAL AND ORTHODONTIC ASSOCIATES provides retirement savings benefits through PDOA 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.

PDOA 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PDOA 401(K) PLAN is $27,322.00

PDOA 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PDOA 401(K) PLAN is $4,287.00. 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.
274,368.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,287.00 in PDOA 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PDOA 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.

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

In 2024, PDOA 401(K) PLAN allocates $88,273.00 to match its employees’ contributions, providing an employer match rate of 26.74% of their contributions

PDOA 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PDOA 401(K) PLAN is approximately $573.00
Investing in this additonal $573.00 for 20 years would give you extra $36,684.00, 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.

PDOA 401(K) PLAN Contribution & Match Policy

PDOA 401(K) PLAN Plan Policies

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

  • Participants may contribute a portion of pretax annual compensation, as defined in the Plan.
  • Participants may also make Roth (after-tax) deferrals.
  • Participants who have attained the age of 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 plans.
  • Such transfers from other qualified plans are reported as rollover contributions.
  • The participants are automatically enrolled in the Plan at a 6% deferral rate, unless they elect to opt out in a timely manner.
  • For certain participants, the Sponsor makes a safe-harbor matching contribution at a rate of 100% of the first 1% of participant contributions and 50% of the next 5% of participant contributions, as defined by the Plan.
  • The Sponsor may make a discretionary matching to the Plan subject to certain service requirements.
  • The Sponsor did not make a discretionary matching contribution during the year ended December 31, 2024.
  • Participants are immediately vested in their voluntary contributions and any income or loss thereon.
  • Participants are fully vested in the Sponsor’s discretionary contributions, and any income or loss thereon, after six years of service.
  • Participants are not vested in safe-harbor contributions until two years of service.

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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