DESERT PAIN SPECIALISTS, PC 401(K) PLAN Contribution & Employer Match

How DESERT PAIN SPECIALISTS, PC Supports Your Retirement Savings

DESERT PAIN SPECIALISTS, PC provides retirement savings benefits through DESERT PAIN SPECIALISTS, PC 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.

DESERT PAIN SPECIALISTS, PC 401(K) PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for DESERT PAIN SPECIALISTS, PC 401(K) PLAN is $13,867.00

DESERT PAIN SPECIALISTS, PC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for DESERT PAIN SPECIALISTS, PC 401(K) PLAN is $999.00. 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.
63,962.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 999.00 in DESERT PAIN SPECIALISTS, PC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in DESERT PAIN SPECIALISTS, PC 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.

DESERT PAIN SPECIALISTS, PC 401(K) PLAN Total Employer Contribution and Match Rate

In 2023, DESERT PAIN SPECIALISTS, PC 401(K) PLAN allocates $181,236.00 to match its employees’ contributions, providing an employer match rate of 90.90% of their contributions

DESERT PAIN SPECIALISTS, PC 401(K) PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in DESERT PAIN SPECIALISTS, PC 401(K) PLAN is approximately $733.00
Investing in this additonal $733.00 for 20 years would give you extra $46,959.00, 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.

DESERT PAIN SPECIALISTS, PC 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants may defer up to 100 percent of annual compensation in pre-tax or Roth contributions.

2. Employer Match/Contribution Conditions: Company matching and other non-elective contributions are discretionary and allocated to participants who have attained 21 years of age and have completed at least 500 hours of service during the plan year. Eligible participants receive non-elective contributions equal to 3 percent of compensation.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions and the company safe harbor non-elective contributions. Vesting in the company’s other discretionary contributions is based on years of credited service: 0% after 1 year, 20% after 2 years, 40% after 3 years, 60% after 4 years, 80% after 5 years, and 100% after 6 years or more. Eligibility for discretionary company contributions requires participants to be at least 21 years old and complete 1,000 hours of service.

4. Roth 401(k) Contribution: Yes, the plan allows Roth 401(k) contributions.

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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