PREMIER COOP 401(K) PLAN Contribution & Employer Match

How PREMIER COOPERATIVE Supports Your Retirement Savings

PREMIER COOPERATIVE provides retirement savings benefits through PREMIER COOP 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.

PREMIER COOP 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PREMIER COOP 401(K) PLAN is $69,972.00

PREMIER COOP 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PREMIER COOP 401(K) PLAN is $3,655.00. 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.
233,964.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,655.00 in PREMIER COOP 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PREMIER COOP 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.

PREMIER COOP 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PREMIER COOP 401(K) PLAN allocates $585,116.00 to match its employees’ contributions, providing an employer match rate of 50.10% of their contributions

PREMIER COOP 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PREMIER COOP 401(K) PLAN is approximately $1,773.00
Investing in this additonal $1,773.00 for 20 years would give you extra $113,477.00, 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.

PREMIER COOP 401(K) PLAN Contribution & Match Policy

PREMIER COOP 401(K) PLAN Plan Policies

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

  • Participants may elect to defer up to 100% of their annual compensation, up to the Internal Revenue Code (IRC) limit.
  • The Plan includes an auto-enrollment provision whereby all newly match eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • The automatic deferral amount will increase each year by 1% of plan compensation up to a maximum of 5%.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan is a Safe Harbor plan which requires the Company to make a matching contribution equal to 100% of the first 3% of compensation of eligible participants plus 50% of the next 2% of eligible compensation.
  • Participants are immediately vested in their contributions and rollover contributions plus actual earnings thereon.
  • Participants are 100% vested in all Safe Harbor contributions made to the Plan.
  • The Company’s profit sharing contribution vests at the rate of 20% beginning with the second year of service so that a participant is 100% vested at the end of their sixth year.
  • Participants who leave the Company because of normal retirement (defined as attaining the later of age 55 or the fifth anniversary of their participation date), complete disability, or death are considered to be 100% vested in their entire account balance.

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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