ACCESSHEALTH 403(B) PLAN Contribution & Employer Match
How FORT BEND FAMILY HEALTH CENTER, INC. Supports Your Retirement Savings
FORT BEND FAMILY HEALTH CENTER, INC. provides retirement savings benefits through ACCESSHEALTH 403(B) 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.
ACCESSHEALTH 403(B) PLAN Average Participant Retirement Account Value
ACCESSHEALTH 403(B) PLAN Estimated Average Employee Contribution Amount
158,471.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,476.00 in ACCESSHEALTH 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ACCESSHEALTH 403(B) 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.
ACCESSHEALTH 403(B) PLAN Total Employer Contribution and Match Rate
ACCESSHEALTH 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $904.00 for 20 years would give you extra $57,867.00, 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.
ACCESSHEALTH 403(B) PLAN Contribution & Match Policy
ACCESSHEALTH 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100 percent (%) of pretax annual compensation, as defined in the Plan, up to the maximum amount allowed by the Internal Revenue Code.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (i.e.
- rollover contributions).
- 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 in the Plan.
- Automatically enrolled participants have their deferral rate set at 2% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- The Plan provides for a discretionary employer matching contribution.
- For the year ended December 31, 2024, the discretionary matching contribution was equal to 3% of employees’ compensation for individuals who were at least 21 years of age and had completed at least one year of service (at least 1,000 hours).
- Participants are immediately vested in their contributions plus actual earnings thereon. Vesting in the Company’s contribution portion of their accounts plus earnings thereon is based on years of credited service. A participant is fully vested after five years of credited service. Sponsor contributions and related earnings vest based on the following schedule: Years of Service
- 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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