1LIFE HEALTHCARE, INC. 401(K) PLAN Contribution & Employer Match

How 1LIFE HEALTHCARE, INC. Supports Your Retirement Savings

1LIFE HEALTHCARE, INC. provides retirement savings benefits through 1LIFE HEALTHCARE, INC. 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.

1LIFE HEALTHCARE, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for 1LIFE HEALTHCARE, INC. 401(K) PLAN is $58,667.00

1LIFE HEALTHCARE, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for 1LIFE HEALTHCARE, INC. 401(K) PLAN is $10,399.00. 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.
665,541.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,399.00 in 1LIFE HEALTHCARE, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in 1LIFE HEALTHCARE, INC. 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.

1LIFE HEALTHCARE, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, 1LIFE HEALTHCARE, INC. 401(K) PLAN allocates $9,176,722.00 to match its employees’ contributions, providing an employer match rate of 23.36% of their contributions

1LIFE HEALTHCARE, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in 1LIFE HEALTHCARE, INC. 401(K) PLAN is approximately $1,748.00
Investing in this additonal $1,748.00 for 20 years would give you extra $111,889.00, 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.

1LIFE HEALTHCARE, INC. 401(K) PLAN Contribution & Match Policy

1LIFE HEALTHCARE, INC. 401(K) PLAN Plan Policies

1LIFE HEALTHCARE, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan allows for the automatic enrollment of all newly eligible employees.
  • Employees who do not affirmatively opt out of automatic enrollment, or otherwise elect a specified deferral rate, are auto enrolled in the Plan and will have 5% of their compensation deferred upon entry into the Plan.
  • Participants may elect to contribute a percentage from 1% to 90% of eligible pre-tax compensation, as defined in the Plan document, up to a maximum allowable under the IRC.
  • Additionally, participants who attain age 50 before the close of the year may also elect to make additional pre-tax catch-up contributions to the Plan, up to IRC allowable amounts.
  • The Plan allows for a discretionary matching contribution and a discretionary profit-sharing contribution, in accordance with the Plan document.
  • Effective January 1, 2023, the contribution period for the discretionary match was changed to each Plan year and participants must be employed on the last day of the Plan year to be eligible for the discretionary match.

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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