PDT 401(K) PLAN Contribution & Employer Match

How PDT PARTNERS, LLC Supports Your Retirement Savings

PDT PARTNERS, LLC provides retirement savings benefits through PDT 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.

PDT 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PDT 401(K) PLAN is $293,182.00

PDT 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PDT 401(K) PLAN is $17,593.00. 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.
1,125,983.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 17,593.00 in PDT 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PDT 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.

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

In 2024, PDT 401(K) PLAN allocates $3,192,011.00 to match its employees’ contributions, providing an employer match rate of 56.79% of their contributions

PDT 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PDT 401(K) PLAN is approximately $9,225.00
Investing in this additonal $9,225.00 for 20 years would give you extra $590,429.00, 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.

PDT 401(K) PLAN Contribution & Match Policy

PDT 401(K) PLAN Plan Policies

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

  • Eligible employees can make pre-tax and Roth elective deferrals in any amount up to the maximum percentage of compensation and dollar amount permissible under the IRC.
  • For 2024, the contribution limit is $23,000 with an additional $7,500 catch-up contribution allowable for eligible employees over age 50.
  • The Plan contains an automatic enrollment provision that consists of a pre-tax salary deferral of 5%.
  • The Plan Sponsor matches 100% of the eligible participant’s elective deferrals, up to a maximum of 3% of eligible compensation and an additional 50% of the eligible participant’s elective deferral, on the eligible compensation that is greater than 3% but less than or equal to 5%.
  • All participants are immediately and fully vested in all contribution types including elective pre-tax and Roth deferrals, catch-up contributions and employer matching contributions.
  • Profit sharing contributions are subject to a vesting schedule of 33% vested after 1 year of service, 66% vested after 2 years of service and 100% vested after 3 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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