AFFINITY DENTAL 401-K RETIREMENT PLAN Contribution & Employer Match
How AFFINITY DENTAL Supports Your Retirement Savings
AFFINITY DENTAL provides retirement savings benefits through AFFINITY DENTAL 401-K RETIREMENT 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.
AFFINITY DENTAL 401-K RETIREMENT PLAN Average Participant Retirement Account Value
AFFINITY DENTAL 401-K RETIREMENT PLAN Estimated Average Employee Contribution Amount
201,786.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,152.00 in AFFINITY DENTAL 401-K RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AFFINITY DENTAL 401-K RETIREMENT 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.
AFFINITY DENTAL 401-K RETIREMENT PLAN Total Employer Contribution and Match Rate
AFFINITY DENTAL 401-K RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,379.00 for 20 years would give you extra $88,276.00, 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.
AFFINITY DENTAL 401-K RETIREMENT PLAN Contribution & Match Policy
AFFINITY DENTAL 401-K RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The Plan provides for employee salary deferral contributions of a percentage of annual compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
- Participants who have attained the age of 50 before the end of the plan year are eligible to make catch-up contributions in addition to their regular deferral contributions.
- The Plan provides for employer safe harbor matching contributions for all employees who have attained 12 months of service.
- Employer safe harbor matching contributions are calculated based on 100 percent of the participant’s contribution up to 3 percent of their eligible compensation and 50 percent of their remaining contribution up to 5 percent of their eligible compensation.
- Participants are immediately 100 percent vested in employee salary, rollover contributions, safe harbor matching contributions and any income or loss thereon.
- Vesting in the Company’s employer discretionary profit-sharing contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
- Participants vest in employer profit-sharing contributions made by the Company 20 percent after two years of service and an additional 20 percent per year thereafter until they become fully vested after six years of service.
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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