PFS GROUP 401K PLAN Contribution & Employer Match
How G & G ORGANIZATION LTD. Supports Your Retirement Savings
G & G ORGANIZATION LTD. provides retirement savings benefits through PFS GROUP 401K 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.
PFS GROUP 401K PLAN Average Participant Retirement Account Value
PFS GROUP 401K PLAN Estimated Average Employee Contribution Amount
146,658.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,291.00 in PFS GROUP 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PFS GROUP 401K 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.
PFS GROUP 401K PLAN Total Employer Contribution and Match Rate
PFS GROUP 401K PLAN Estimated Average Employer Match
Investing in this additonal $424.00 for 20 years would give you extra $27,172.00, 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.
PFS GROUP 401K PLAN Contribution & Match Policy
PFS GROUP 401K PLAN Contribution, Match and Other Plan Policies
- Participants may elect to have a portion of their annual compensation contributed to the Plan as a pre-tax or Roth elective deferral, as defined by the Plan.
- Each eligible employee will be automatically enrolled in the plan as a participant, with 2% of the participant’s eligible compensation being deferred on their behalf.
- Eligible employees may opt out of automatic enrollment.
- For the year ended December 31, 2024, the Partnership made matching contributions of $199,803 on behalf of each participant for 50% of their elective deferrals, up to 6% of eligible compensation.
- Vesting schedule: Years of Vesting Service Percentage 1 0% 2 20% 3 40% 4 60% 5 80% 6 100% Regardless of the vesting schedule, participants become fully vested upon death, total and permanent disability and upon reaching the retirement age of 65.
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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