CORNERSTONE VNA RETIREMENT PLAN Contribution & Employer Match
How CORNERSTONE VNA Supports Your Retirement Savings
CORNERSTONE VNA provides retirement savings benefits through CORNERSTONE VNA 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.
CORNERSTONE VNA RETIREMENT PLAN Average Participant Retirement Account Value
CORNERSTONE VNA RETIREMENT PLAN Estimated Average Employee Contribution Amount
266,078.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,157.00 in CORNERSTONE VNA RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CORNERSTONE VNA 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.
CORNERSTONE VNA RETIREMENT PLAN Total Employer Contribution and Match Rate
CORNERSTONE VNA RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,442.00 for 20 years would give you extra $92,316.00, 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.
CORNERSTONE VNA RETIREMENT PLAN Contribution & Match Policy
CORNERSTONE VNA RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Eligible employees may contribute up to 100% of their gross compensation, as defined by the Plan, by means of payroll deductions as of the date they become eligible to participate in the Plan (upon hire).
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Agency matched employee elective deferrals in 2024 for each eligible participant who is employed by the Agency at the end of the Plan year equal to the following percentage of compensation: Employee Deferral % Employer Match % 1% 1% 2% 2% 3% 3% 4% 3.5% 5% or more 4% The Agency does not match age 50 catch-up deferrals.
- Participants are immediately vested in their contributions and actual earnings thereon.
- There is a 6-year graded vesting schedule for the Agency’s match contributions and actual earnings thereon, excluding employees hired prior to January 1, 2016; 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:
| 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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