SIMON PEARCE (US) LLC 401(K) PS & TRUST Contribution & Employer Match

How SIMON PEARCE (US) LLC Supports Your Retirement Savings

SIMON PEARCE (US) LLC provides retirement savings benefits through SIMON PEARCE (US) LLC 401(K) PS & TRUST. 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.

SIMON PEARCE (US) LLC 401(K) PS & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SIMON PEARCE (US) LLC 401(K) PS & TRUST is $50,521.00

SIMON PEARCE (US) LLC 401(K) PS & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SIMON PEARCE (US) LLC 401(K) PS & TRUST is $6,266.00. 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.
401,062.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,266.00 in SIMON PEARCE (US) LLC 401(K) PS & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SIMON PEARCE (US) LLC 401(K) PS & TRUST

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.

SIMON PEARCE (US) LLC 401(K) PS & TRUST Total Employer Contribution and Match Rate

In 2024, SIMON PEARCE (US) LLC 401(K) PS & TRUST allocates $307,574.00 to match its employees’ contributions, providing an employer match rate of 26.53% of their contributions

SIMON PEARCE (US) LLC 401(K) PS & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SIMON PEARCE (US) LLC 401(K) PS & TRUST is approximately $831.00
Investing in this additonal $831.00 for 20 years would give you extra $53,201.00, 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.

SIMON PEARCE (US) LLC 401(K) PS & TRUST Contribution & Match Policy

SIMON PEARCE (US) LLC 401(K) PS & TRUST Plan Policies

SIMON PEARCE (US) LLC 401(K) PS & TRUST Contribution, Match and Other Plan Policies

  • Participants may contribute up to 50% of eligible compensation, limited to a maximum amount that is periodically set by the Internal Revenue Service (IRS).
  • Participants who have attained the age of 50 before the end of the plan year can contribute an additional amount set by the IRS.
  • Participants may also contribute amounts representing rollovers from other qualified defined benefit or contribution plans.
  • Any eligible participant who does not affirmatively elect otherwise is automatically enrolled into the Plan with a deferral percentage of 6%.
  • The participant has the ability to opt out of the Plan or change the percentage at any time.
  • Effective July 1, 2021, the initial automatic deferral amount increased annually by one percentage point up to a maximum of 10%, on the first day of each plan year.
  • The Company contributes a discretionary matching contribution for each employee who enters into a salary reduction agreement.
  • In 2024 and 2023, the matching contribution was 33% of salary deferrals up to the first 6% of eligible compensation and was calculated annually.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • Vesting in the Company’s matching contribution and discretionary profit-sharing portion of the participants’ account plus actual earnings thereon is based on continuous years of service.
  • A participant is 100% vested after three years of service and 0% vested in prior years.
  • Upon attainment of age 55 years, death or disability, participant becomes fully vested.

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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