PROSERV 401(K) PLAN Contribution & Employer Match

How PROSERV OPERATIONS, LLC Supports Your Retirement Savings

PROSERV OPERATIONS, LLC provides retirement savings benefits through PROSERV 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.

PROSERV 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PROSERV 401(K) PLAN is $43,198.00

PROSERV 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PROSERV 401(K) PLAN is $2,789.00. 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.
178,535.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,789.00 in PROSERV 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PROSERV 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.

PROSERV 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PROSERV 401(K) PLAN allocates $287,152.00 to match its employees’ contributions, providing an employer match rate of 34.03% of their contributions

PROSERV 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PROSERV 401(K) PLAN is approximately $905.00
Investing in this additonal $905.00 for 20 years would give you extra $57,973.00, 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.

PROSERV 401(K) PLAN Contribution & Match Policy

PROSERV 401(K) PLAN Plan Policies

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

  • Participants may elect to make salary deferral contributions to the Plan up to 90% of their annual eligible compensation, subject to certain limitations.
  • Salary deferral contributions can be made as pre-tax contributions, after-tax Roth contributions, or a combination of both.
  • The Company will automatically make a pre-tax salary deferral contribution of 3% of eligible compensation for eligible employees, unless the employee elects not to participate or elects a different deferral percentage.
  • The initial automatic deferral rate of 3% will increase by 1% on April 1 of each year until 6% of eligible compensation is being withheld as a pre-tax salary deferral.
  • Participants age 50 or over during the plan year may also make catch-up contributions.
  • The Company elected to make a discretionary match of 50% of each participant’s salary deferral contributions that are up to 6% of eligible compensation earned during 2024.
  • Participants are at all times fully vested in their contributions and the Company’s discretionary matching contributions and the appreciation or depreciation thereon.
  • Vesting in the Company’s discretionary profit sharing contributions portion of participants’ accounts plus earnings thereon is based on years of continuous service.
  • Vesting occurs on a three-year graded schedule of 33.33% per year; where, participants are 100% vested after three years of service.
  • A participant shall be immediately vested upon death, retirement, or termination of employment due to permanent disability.

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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