POST & SCHELL, P.C. PROFIT SHARING PLAN Contribution & Employer Match

How POST & SCHELL, P.C. Supports Your Retirement Savings

POST & SCHELL, P.C. provides retirement savings benefits through POST & SCHELL, P.C. PROFIT SHARING 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.

POST & SCHELL, P.C. PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for POST & SCHELL, P.C. PROFIT SHARING PLAN is $377,649.00

POST & SCHELL, P.C. PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for POST & SCHELL, P.C. PROFIT SHARING PLAN is $6,985.00. 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.
447,092.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,985.00 in POST & SCHELL, P.C. PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in POST & SCHELL, P.C. PROFIT SHARING 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.

POST & SCHELL, P.C. PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, POST & SCHELL, P.C. PROFIT SHARING PLAN allocates $1,838,767.00 to match its employees’ contributions, providing an employer match rate of 63.73% of their contributions

POST & SCHELL, P.C. PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in POST & SCHELL, P.C. PROFIT SHARING PLAN is approximately $4,316.00
Investing in this additonal $4,316.00 for 20 years would give you extra $276,246.00, 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.

POST & SCHELL, P.C. PROFIT SHARING PLAN Contribution & Match Policy

POST & SCHELL, P.C. PROFIT SHARING PLAN Plan Policies

POST & SCHELL, P.C. PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • The Plan provides that eligible employees may elect to make pre-tax contributions through regular payroll deductions of an amount up to 80% of their eligible compensation, as defined in the Plan.
  • Participants’ pre-tax contributions are limited to the maximum amount allowable under the Internal Revenue Code (IRC).
  • Qualified distributions from other retirement plans can be contributed to and retained by the Plan as rollover contributions.
  • Participants may also make after-tax Roth contributions.
  • Vesting in the Company contributions, plus earnings thereon, is based on years of continuous service as follows: Vested Years of Service
  • Less than 2 years: 0%
  • 2-3 years: 20%
  • 3-4 years: 40%
  • 4-5 years: 60%
  • 5-6 years: 80%

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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