ALPHA EMS CORPORATION 401(K) PLAN Contribution & Employer Match

How ALPHA EMS CORPORATION Supports Your Retirement Savings

ALPHA EMS CORPORATION provides retirement savings benefits through ALPHA EMS CORPORATION 401(K) 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.

ALPHA EMS CORPORATION 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ALPHA EMS CORPORATION 401(K) PLAN is $38,423.00

ALPHA EMS CORPORATION 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ALPHA EMS CORPORATION 401(K) PLAN is $9,734.00. 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.
623,035.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,734.00 in ALPHA EMS CORPORATION 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ALPHA EMS CORPORATION 401(K) 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.

ALPHA EMS CORPORATION 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, ALPHA EMS CORPORATION 401(K) PLAN allocates $259,584.00 to match its employees’ contributions, providing an employer match rate of 41.34% of their contributions

ALPHA EMS CORPORATION 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ALPHA EMS CORPORATION 401(K) PLAN is approximately $2,012.00
Investing in this additonal $2,012.00 for 20 years would give you extra $128,785.00, 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.

ALPHA EMS CORPORATION 401(K) PLAN Contribution & Match Policy

ALPHA EMS CORPORATION 401(K) PLAN Plan Policies

ALPHA EMS CORPORATION 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may have Salary Deferral and/or Roth up to 96% of total annual compensation as defined in the plan.
  • If participants are 50 or older before the end of the plan year, participants may make catch up contributions.
  • The Employer has chosen to make a Safe Harbor Employer Match contribution to all eligible employees in the amount of 100% of participants’ salary deferrals up to 3% of their compensation, plus 50% of their salary deferrals in excess of 3% of participants’ compensation, capped at 5% of their compensation.
  • Salary deferrals in excess of 5% of their compensation will not be matched.
  • The Employer has the option to make a Matching Contribution with the amount determined annually.
  • Employee deferrals and Safe Harbor Match plus actual earning thereon are always 100% vested.
  • Vesting in the Employer Profit Sharing portion of their accounts is based on 1 year 0%; 2 years 20%; 3 years 40%; 4 years 60%; 5 years 80%, 6 years 100%.
  • Participants must work 1,000 hours in a plan year for their vesting to increase.
  • Participants are always 100% vested if they are employed on or after their normal retirement age or if they die or become disabled.

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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