DARTMOUTH HEALTH 403(B) PLAN Contribution & Employer Match
How DARTMOUTH HEALTH Supports Your Retirement Savings
DARTMOUTH HEALTH provides retirement savings benefits through DARTMOUTH HEALTH 403(B) 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.
DARTMOUTH HEALTH 403(B) PLAN Average Participant Retirement Account Value
DARTMOUTH HEALTH 403(B) PLAN Estimated Average Employee Contribution Amount
699,542.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,930.00 in DARTMOUTH HEALTH 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in DARTMOUTH HEALTH 403(B) 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.
DARTMOUTH HEALTH 403(B) PLAN Total Employer Contribution and Match Rate
DARTMOUTH HEALTH 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $3,738.00 for 20 years would give you extra $239,279.00, 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.
DARTMOUTH HEALTH 403(B) PLAN Contribution & Match Policy
DARTMOUTH HEALTH 403(B) PLAN Contribution, Match and Other Plan Policies
- Contributions to the Plan consist of employee voluntary tax deferred and after-tax "Roth" amounts, up to 100% of pay, but not to exceed the annual limits prescribed by the Internal Revenue Service (IRS).
- All eligible employees and new hires are automatically enrolled in the Plan with a pre-tax deferral contribution of 4% unless they sign a waiver indicating they do not wish to participate in the Plan or elect to contribute a greater percentage.
- The default percentage will increase annually by 1% up to a maximum of 10%.
- Participants who have attained the age of 50 are allowed to make catch-up contributions not to exceed the annual limits prescribed by the IRS.
- Effective January 1, 2020, participants who elected the new plan design and eligible employees who become participants after December 31, 2019, receive an employer matching contribution equal to 50% of each participant’s before tax and after-tax contributions subject to a maximum limit equal to 4% of the participant’s compensation, except for participants of Visiting Nurse Association and Hospice of Vermont and New Hampshire, Inc.
- who are subject to a maximum limit equal to 2% of the participant’s compensation.
- Participants who elected the old plan design are not eligible to receive a matching contribution.
- Participant contributions – Participants are always 100% vested in their own contributions, eligible rollovers, and earnings thereon, to the Plan.
- A year of vesting service is one in which the participant works 1,000 hours or more.
- Participants employed at Cheshire Medical Center and New London Hospital Association, Inc.
- become 100% vested in employer contributions and earnings thereon upon completion of three years of vesting service.
- Participants employed at Mt.
- Ascutney Hospital and Health Center and Alice Peck Day Memorial Hospital become 100% vested in employer contributions and earnings thereon upon completion of six years of vesting service at a rate of 20% a year.
- Participants employed at Visiting Nurse Association and Hospice of Vermont and New Hampshire are 100% vested in their accounts at all times.
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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