PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Contribution & Employer Match
How PANTEXAS DETERRENCE, LLC Supports Your Retirement Savings
PANTEXAS DETERRENCE, LLC provides retirement savings benefits through PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES. 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.
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Average Participant Retirement Account Value
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Estimated Average Employee Contribution Amount
1,262,631.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 19,728.00 in PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES
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.
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Total Employer Contribution and Match Rate
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Estimated Average Employer Match
Investing in this additonal $6,779.00 for 20 years would give you extra $433,872.00, 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.
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Contribution & Match Policy
PXD 401(K) PLAN FOR NON-BARGAINING PXD LOCATION EMPLOYEES Contribution, Match and Other Plan Policies
- Participants may contribute up to 50% of compensation, in 1% increments, subject to annual contribution limits, deferred on a pretax basis or as an after-tax Roth 401(k) contribution, as defined by the Plan.
- Newly hired employees, except for certain members of the Pantex Security Force, are automatically enrolled in the Plan at a 6% contribution rate within 30 days of following their eligibility date.
- Employees who are members of the Pantex Security Force are automatically enrolled in the Plan at a contribution rate of 3% which then increases by 1% April 1st of each year until it reaches the maximum rate set by the Committee.
- For participants, other than Pantex Security Force, the Company provides a matching contribution equal to 100% of a participant’s elective contributions up to the first 2% of a participant’s compensation and an amount equal to 50% of a participant’s elective contributions on the next 4% of his or her compensation.
- The maximum match is 4% of a participant’s eligible earnings if a participant contributes at least 6% of elective contributions.
- Amounts contributed over 6% of eligible earnings are not eligible for Company matching contributions.
- PSF Participants who were hired before March 18, 2002 and opted to remain in the PGU Pension Plan receive a matching contribution equal to 50% of their elective contributions to the Plan up to the first 8% of annual compensation.
- Participants are immediately vested in their elective and rollover contributions. Vesting in the Company’s discretionary contributions, non-discretionary contributions and matching portions of their accounts is based on years of credited service. Effective January 1, 2015, a participant (other than PSF Participants) is 100% vested in their Company’s matching contribution account after three years of credited service, upon reaching age 65 or termination because of death or disability. A PSF Participant becomes 100% vested upon reaching Normal Retirement Age, or due to death or becoming totally and permanently disabled. Prior to attainment of six years of credited service, the
- Less than 2 years: 0%
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:
| 2024 | 2025 | |
|---|---|---|
| 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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