PITNEY BOWES INC. 401(K) PLAN Contribution & Employer Match

How PITNEY BOWES INC. Supports Your Retirement Savings

PITNEY BOWES INC. provides retirement savings benefits through PITNEY BOWES 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.

PITNEY BOWES INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PITNEY BOWES INC. 401(K) PLAN is $121,375.00

PITNEY BOWES INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PITNEY BOWES INC. 401(K) PLAN is $3,143.00. 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.
201,200.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,143.00 in PITNEY BOWES INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PITNEY BOWES 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.

PITNEY BOWES INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PITNEY BOWES INC. 401(K) PLAN allocates $24,406,085.00 to match its employees’ contributions, providing an employer match rate of 54.11% of their contributions

PITNEY BOWES INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PITNEY BOWES INC. 401(K) PLAN is approximately $1,705.00
Investing in this additonal $1,705.00 for 20 years would give you extra $109,130.00, 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.

PITNEY BOWES INC. 401(K) PLAN Contribution & Match Policy

PITNEY BOWES INC. 401(K) PLAN Plan Policies

PITNEY BOWES INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each participant may elect to defer from 1% to 50% of eligible pay (subject to Internal Revenue Service (IRS) and Plan rules) on a pre-tax, Roth, or after-tax basis.
  • However, highly compensated employees are limited to a combined Before-Tax and Roth contribution amount of 12% of eligible pay, and are limited to 7% of eligible pay for After-Tax contribution.
  • All contributions to the Plan are made through payroll deductions.
  • New hires to the Plan are automatically enrolled in the Plan’s auto enroll feature at 6% with an annual increase of 1% up to 10%, unless the participant elects otherwise.
  • Participants who attain age 50 or older during the calendar year are permitted to make catch-up contributions to attain the maximum allowable contribution amount.
  • In 2024 and 2023, if a participant is 50 or older, the participant could defer an additional $7,500 on a combined before-tax and Roth basis for total combined before-tax and Roth contributions of $30,500 and $30,000 for 2024 and 2023, respectively.
  • The Employer will make Matching Contributions in the amount of 100% of a participant’s deferral up to 4% of compensation for Pitney Bowes Inc.
  • employees, and exempt employees of Pitney Bowes Presort Services Inc.
  • and Pitney Bowes Global Ecommerce Facilities and Transportation.
  • Presort and Global Ecommerce Facilities and Transportation non-exempt matching contributions are 50% of a participant’s deferral up to 3% of compensation.
  • Participants are vested immediately in their contributions plus actual earnings thereon and 100% vested in the employer match and earnings thereon, after three 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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