CCSI 403(B) RETIREMENT PLAN Contribution & Employer Match

How COORDINATED CARE SERVICES, INC Supports Your Retirement Savings

COORDINATED CARE SERVICES, INC provides retirement savings benefits through CCSI 403(B) 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.

CCSI 403(B) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CCSI 403(B) RETIREMENT PLAN is $40,652.00

CCSI 403(B) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CCSI 403(B) RETIREMENT PLAN is $2,279.00. 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.
145,875.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,279.00 in CCSI 403(B) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CCSI 403(B) 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.

CCSI 403(B) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, CCSI 403(B) RETIREMENT PLAN allocates $1,216,451.00 to match its employees’ contributions, providing an employer match rate of 81.54% of their contributions

CCSI 403(B) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CCSI 403(B) RETIREMENT PLAN is approximately $1,632.00
Investing in this additonal $1,632.00 for 20 years would give you extra $104,500.00, 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.

CCSI 403(B) RETIREMENT PLAN Contribution & Match Policy

CCSI 403(B) RETIREMENT PLAN Plan Policies

CCSI 403(B) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Active participants may make voluntary contributions in the form of salary reductions.
  • Pre-tax contributions are limited to a maximum contribution of the lesser of 100% of the participant’s total compensation for the Plan year or the maximum amount permitted by the Internal Revenue Code (IRC) and any applicable rollovers from other qualified plans, subject to certain limitations of the Plan and the IRC.
  • Eligible participants, who attain the age of 50 before the end of the Plan year, are eligible to make catch-up contributions, subject to certain limitations of the IRC.
  • The Plan has a 4% automatic deferral election provision, which is effective as of the first day of the first pay period that occurs on or after the 30th day following the later of (a) the employee’s entry date; or (b) the date on which the employee is provided notice of such automatic reduction by the Plan Administrator.
  • The Plan allows for discretionary non-elective employer and matching contributions to be reviewed annually for changes by the CCSI Board of Directors.
  • During 2024 and 2023, CCSI made non-elective contributions to participant accounts in the amounts of $762,446 and $845,565, respectively, calculated as 4% of eligible participant compensation for staff scheduled to work more than 20 hours per week.
  • In addition, during 2024 and 2023, CCSI matched an amount equal to 50% of employee deferrals, up to 4% of eligible compensation, for a maximum match of 2% totaling $452,860 and $487,865, respectively.
  • Participants are fully vested in their elective deferrals, CCSI’s matching contributions and actual earnings (losses) thereon, immediately upon participation in the Plan.
  • Participants hired prior to December 31, 2012 are fully vested in CCSI’s non-elective contributions, immediately upon participation in the Plan.
  • Participants hired after December 31, 2012 are subject to a vesting schedule relative to CCSI’s non-elective contributions – 25% each year, over a four-year span, at which time they are 100% vested.

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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