403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, INC. Contribution & Employer Match
How KANAWHA HOSPICE CARE, INC. Supports Your Retirement Savings
KANAWHA HOSPICE CARE, INC. provides retirement savings benefits through 403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, 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 OF KANAWHA HOSPICE CARE, INC. Average Participant Retirement Account Value
403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, INC. Estimated Average Employee Contribution Amount
145,107.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,267.00 in 403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, INC., assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, 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 OF KANAWHA HOSPICE CARE, INC. Total Employer Contribution and Match Rate
403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, INC. Estimated Average Employer Match
Investing in this additonal $1,233.00 for 20 years would give you extra $78,968.00, 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 OF KANAWHA HOSPICE CARE, INC. Contribution & Match Policy
403(B) THRIFT PLAN OF KANAWHA HOSPICE CARE, INC. Contribution, Match and Other Plan Policies
- Participants may make salary reduction contributions, including designated Roth contributions, to the Plan by electing to defer a percentage of salary from 1% to 100%, subject to limits established by the Internal Revenue Code.
- Eligible participants who have attained age 50 on or before the close of the Plan year may make catch-up contributions, subject to the limitations of the Internal Revenue Code (IRC).
- The plan includes an automatic enrollment deferral feature.
- Unless the participant elects otherwise, a participant will be enrolled in the Plan at a deferral rate of 2% effective the participant’s employment date.
- Effective March 2023, the company amended the plan to match employee contributions equal to 100% up to 5% of compensation.
- Vesting schedule: 20% after two years of service 50% after three years of service 75% after four years of service 100% after five years of service Upon death, disability, early, normal, or late retirement, participants become fully vested in employer contributions.
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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