403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Contribution & Employer Match
How GULFSIDE HEALTHCARE SERVICES, INC. Supports Your Retirement Savings
GULFSIDE HEALTHCARE SERVICES, INC. provides retirement savings benefits through 403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC.. 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.
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Average Participant Retirement Account Value
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Estimated Average Employee Contribution Amount
230,703.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,604.00 in 403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC., assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC.
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.
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Total Employer Contribution and Match Rate
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Estimated Average Employer Match
Investing in this additonal $832.00 for 20 years would give you extra $53,264.00, 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.
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Contribution & Match Policy
403(B) THRIFT PLAN FOR EMPLOYEES OF GULFSIDE HEALTHCARE SERVICES, INC. Contribution, Match and Other Plan Policies
- Each year, participants may contribute compensation, as defined in the plan document, subject to certain Internal Revenue Code (‘IRC’) limitations.
- Participant salary deferrals are traditional 403(b) (pretax) and Roth 401(k) (after tax).
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Employee contributions may begin at the start of service and are available to all eligible employees.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate.
- Automatically enrolled participants have their deferral rate set at 1% of eligible compensation and will increase by 1% per year to a maximum of 4% of compensation, and their contributions invested in the designated balanced fund until changed by the participant.
- At the discretion of the Board of Directors, the Company may also make contributions to the Plan each year.
- The Board of Directors approved discretionary matching contributions of 100% of employees’ salary deferral amounts up to 3% of eligible compensation through August 31, 2024 and up to 4% of eligible compensation for the remaining of the year.
- Participants are immediately vested in their voluntary contributions plus earnings thereon. Vesting in the Company’s contribution portion of their accounts plus earnings thereon is based on years of continuous service. A participant is fully vested after five years of continuous service. Participants become 100% vested in Company contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
- Less than 1 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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