PHB DIE CASTING INC. 401(K) PLAN Contribution & Employer Match

How PHB DIE CASTING INC. Supports Your Retirement Savings

PHB DIE CASTING INC. provides retirement savings benefits through PHB DIE CASTING INC. 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.

PHB DIE CASTING INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PHB DIE CASTING INC. 401(K) PLAN is $48,055.00

PHB DIE CASTING INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PHB DIE CASTING INC. 401(K) PLAN is $1,449.00. 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.
92,793.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,449.00 in PHB DIE CASTING INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PHB DIE CASTING INC. 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.

PHB DIE CASTING INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PHB DIE CASTING INC. 401(K) PLAN allocates $183,959.00 to match its employees’ contributions, providing an employer match rate of 62.97% of their contributions

PHB DIE CASTING INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PHB DIE CASTING INC. 401(K) PLAN is approximately $929.00
Investing in this additonal $929.00 for 20 years would give you extra $59,461.00, 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.

PHB DIE CASTING INC. 401(K) PLAN Contribution & Match Policy

PHB DIE CASTING INC. 401(K) PLAN Plan Policies

PHB DIE CASTING INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • An eligible participant can make contributions up to 100% of their total compensation, subject to certain Internal Revenue Service (IRS) limitations.
  • The Plan provides for rollovers from other plans.
  • The Plan Sponsor may make a discretionary (profit-sharing) contribution to the Plan equal to 1% of each eligible participant’s wages.
  • Additionally, the Plan Sponsor provides a non-discretionary $0.50 matching contribution for each dollar of participant deferrals up to the first 4% deferred.
  • Participants are immediately vested in their contributions and the Plan Sponsor’s non-discretionary matching contributions, plus earnings thereon.
  • Vesting in the Plan Sponsor’s non-discretionary (profit-sharing) contributions plus earnings thereon are at 10% for the first year and 20% each year thereafter, until fully vested after six years.
  • In the event of death or disability, the full balance of the participant’s account becomes immediately 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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