THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Contribution & Employer Match
How PLYMOUTH ROCK ASSURANCE CORPORATION Supports Your Retirement Savings
PLYMOUTH ROCK ASSURANCE CORPORATION provides retirement savings benefits through THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT 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.
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Average Participant Retirement Account Value
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Estimated Average Employee Contribution Amount
434,469.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,788.00 in THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT 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.
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Total Employer Contribution and Match Rate
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,739.00 for 20 years would give you extra $175,312.00, 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.
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Contribution & Match Policy
THE PLYMOUTH ROCK COMPANIES SAVINGS AND INVESTMENT PLAN Contribution, Match and Other Plan Policies
- Upon meeting eligibility requirements participants may contribute up to 50% of their plan compensation on a pre-tax basis and up to 20% on an after-tax basis, subject to Internal Revenue Code ("IRC") limitations.
- Effective January 1, 2024, participants may also contribute up to 50% of their plan compensation on an after-tax Roth basis.
- Participants who are at least 50 may make an additional "catch up" contribution subject to IRC limitations.
- All new participants are automatically enrolled at a contribution rate of 3% of plan compensation, unless they opt out.
- Effective January 1, 2024, contribution rates for those who are automatically enrolled are also automatically increased 1% annually until they have reached 15% of plan compensation, unless they opt out.
- For all employees other than those of Encharter Insurance LLC, the Board of Directors may declare a discretionary bonus award for participants who are employed on the last day of the plan year and employed when the award is declared.
- One half of the bonus award is a profit sharing contribution to the Plan ("Basic Contributions").
- Participants may elect to have all or part of the remaining bonus award contributed to the Plan ("Elective Bonus Contributions").
- For participants who have completed one year of service any elective portion of the bonus award will be matched 100%.
- For the year ended December 31, 2024, the Company awarded a bonus award of 5% of the employee’s eligible compensation for a maximum contribution of 7.5% to the Plan.
- For employees of Encharter Insurance LLC, the Company makes a matching contribution of 75% of participant contributions up to 6% of compensation, for a maximum match of 4.5% of compensation, after six months of service has been completed.
- Participants are fully vested in that portion of their account which represents their contributions, Basic Contributions, and Elective Bonus Contributions and the income earned thereon.
- Participants become 100% vested in the Company’s contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
- Otherwise, a participant’s interest in the Company’s contributions and earnings thereon vests according to the following schedule: Completed Years of Service Percent Vested 1 year 0% 2 years 20% 3 years 40% 4 years 60% 5 years 80% 6 year and more 100%
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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