ATLANTIC CARE SERVICES 401K Contribution & Employer Match

How ATLANTIC CARE SERVICES LLC Supports Your Retirement Savings

ATLANTIC CARE SERVICES LLC provides retirement savings benefits through ATLANTIC CARE SERVICES 401K. 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.

ATLANTIC CARE SERVICES 401K Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ATLANTIC CARE SERVICES 401K is $4,067.00

ATLANTIC CARE SERVICES 401K Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ATLANTIC CARE SERVICES 401K is $3,301.00. 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.
211,285.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,301.00 in ATLANTIC CARE SERVICES 401K, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ATLANTIC CARE SERVICES 401K

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.

ATLANTIC CARE SERVICES 401K Total Employer Contribution and Match Rate

In 2024, ATLANTIC CARE SERVICES 401K allocates $283,677.00 to match its employees’ contributions, providing an employer match rate of 57.67% of their contributions

ATLANTIC CARE SERVICES 401K Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ATLANTIC CARE SERVICES 401K is approximately $951.00
Investing in this additonal $951.00 for 20 years would give you extra $60,923.00, 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.

ATLANTIC CARE SERVICES 401K Contribution & Match Policy

ATLANTIC CARE SERVICES 401K Plan Policies

ATLANTIC CARE SERVICES 401K Contribution, Match and Other Plan Policies

  • Participants may contribute from 1% up to 90% of pretax annual compensation, as defined in the Plan, subject to 2024 Internal Revenue Code (‘IRC’).
  • The maximum participant deferral for the year ended December 31, 2024 was $23,000.
  • A participant who has attained the age of 50 may also make catch up contributions, subject to Internal Revenue Service, (‘IRS’) limitations of $7,500 for the year ended December 31, 2024.
  • Participants may also make Roth deferrals and contribute amounts representing distributions from other qualified plans.
  • The Plan has automatic enrollment for all eligible employees at 3%.
  • If the employee does not make an affirmative election, whether to keep the 3%, change the percentage or opt out of the Plan entirely, the Plan will automatically defer the 3% for the participant.
  • Participants that are automatically enrolled will have their deferral contribution rates increased by 1% each year until it reaches a maximum of 6% of compensation.
  • Under the terms of the Plan, the Company is required to make a QACA safe harbor matching contribution in an amount equal to 100% of the participant’s salary deferrals that do not exceed 1% of compensation plus 50% of the participant’s salary deferrals between 1% and 6% of compensation.
  • The Company also has the option to make a discretionary profit-sharing contribution.
  • Vesting schedule: Years of Service: Vesting
  • Less than 2 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:

 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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