ACADIA HR MEP PLAN Contribution & Employer Match

How HUDSON VALLEY STAFF, LTD. DBA ACADIA HR Supports Your Retirement Savings

HUDSON VALLEY STAFF, LTD. DBA ACADIA HR provides retirement savings benefits through ACADIA HR MEP 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.

ACADIA HR MEP PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ACADIA HR MEP PLAN is $15,117.00

ACADIA HR MEP PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ACADIA HR MEP PLAN is $1,968.00. 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.
125,958.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,968.00 in ACADIA HR MEP PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ACADIA HR MEP 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.

ACADIA HR MEP PLAN Total Employer Contribution and Match Rate

In 2024, ACADIA HR MEP PLAN allocates $328,488.00 to match its employees’ contributions, providing an employer match rate of 35.14% of their contributions

ACADIA HR MEP PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ACADIA HR MEP PLAN is approximately $588.00
Investing in this additonal $588.00 for 20 years would give you extra $37,676.00, 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.

ACADIA HR MEP PLAN Contribution & Match Policy

ACADIA HR MEP PLAN Plan Policies

ACADIA HR MEP PLAN Contribution, Match and Other Plan Policies

  • Participants may make voluntary contributions through salary reductions of up to 100% of their eligible compensation, as defined, limited to the maximum amount allowable under the provisions of the IRC.
  • Participants who have reached age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan allows for participants to make post-tax (Roth) contributions.
  • Spectrum Behavioral Health Management Services, Inc.: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Hurley Avenue Family Medicine, PLLC: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Kingston Hot Rod & Collision, Inc.: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Eckler’s Automotive, Inc.
  • dba Foreign Car Specialists: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Polar Home Services, Inc.: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Robert Bump Construction, LLC: Safe Harbor Matching Contribution of 100% up to 4% Eligible Compensation; GGEHS LLC d/b/a Go Green Express Home Services, LLC: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; TZ Electric: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Life Excel: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; DJ Vosburgh Enterprises: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; Pawling Mountain Land Corp.: Safe Harbor Matching Contribution of 100% on First 3% Eligible Compensation, 50% on 3-5% Eligible Compensation; O’Farrell Earthworks LTD: Safe Harbor Matching Contribution of 100% up to 4% Eligible Compensation; Crescent Specialty, LLC: Safe Harbor Matching Contribution of 100% up to 4% Eligible Compensation; eRiver Neurology of New York, LLC, James Depietro Enterprises LLC, Pro Printers, Inc., Professional Computer Associates, Inc., Nirvana Systems, Inc., Morris Hargreaves McIntyre, Inc., Red Hook Golf Club Inc., MGIVS, LLC, and Van Norstrand & Hoolihan, CPA’s, P.C.
  • may make discretionary matching contributions.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • Participants become fully vested upon death or disability.
  • Participants vest in the contributions of the Participating Employers according to the following vesting schedule: Employer Contribution Participating Employer Vesting Schedule Spectrum Behavioral Health Management Services, Inc.
  • Safe Harbor – Immediately 100% Discretionary contributions – 2 – 6 year graded eRiver Neurology of New York, LLC 2 – 6 year graded Hurley Avenue Family Medicine, PLLC Immediately 100% CRW New York, LLC4 2 – 6 year graded Maynard Orthopedics, PLLC4 Immediately 100% Khor Inc.
  • 4 2 – 6 year graded Hudson Valley Beverage Co.
  • 4 Safe Harbor – Immediately 100% Discretionary contributions – 2 – 6 year graded James Depietro Enterprises LLC Non-Elective Safe Harbor – Immediately 100%; Discretionary contributions – 2 – 6 year graded Pro Printers, Inc.
  • Non-Elective Safe Harbor – Immediately 100%; Discretionary contributions – 2 – 6 year graded Kingston Hot Rod & Collision, Inc.
  • Safe Harbor – Immediately 100%; Discretionary contributions – 2 – 6 year graded Eckler’s Automotive, Inc.
  • Safe Harbor – Immediately 100%; dba Foreign Car Specialists Discretionary contributions – 2 – 6 year graded Polar Home Services, Inc.
  • Safe Harbor – Immediately 100%; Discretionary contributions – 2 – 6 year graded Robert Bump Construction, LLC Safe Harbor – Immediately 100%; Discretionary contributions – 2 – 6 year graded

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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