ENCORE REHABILITATION SERVICES Contribution & Employer Match

How ENCORE REHABILITATION SERVICES Supports Your Retirement Savings

ENCORE REHABILITATION SERVICES provides retirement savings benefits through ENCORE REHABILITATION SERVICES. 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.

* Data are from public filings.

Employer Match in ENCORE REHABILITATION SERVICES

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.

* 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.

ENCORE REHABILITATION SERVICES Contribution & Match Policy

ENCORE REHABILITATION SERVICES Plan Policies

ENCORE REHABILITATION SERVICES Contribution, Match and Other Plan Policies

  • The Plan provides for employee salary 401(k) contributions up to a maximum of 75 percent of annual compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
  • Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
  • The Plan was amended effective June 30, 2020 to add an automatic enrollment feature to the Plan.
  • Employees hired after January 1, 2020 are auto-enrolled at 4 percent upon meeting the eligibility requirements unless the participant elects otherwise in accordance with the plan document.
  • The Plan provides for employer matching contributions of 25 percent of the participant’s deferrals, not to exceed 4 percent of the employee’s deferred compensation.
  • The Company may make additional contributions to the Plan at the discretion of the Company.
  • Participants are immediately 100 percent vested in employee salary and rollover contributions and any income or loss thereon.
  • Vesting in the Company’s contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
  • Participants are 100 percent vested in matching contributions after one year of service.
  • Participants vest in discretionary contributions made by the Company 20 percent after two years of service, an additional 20 percent after the third year of service, and another 20 percent per year thereafter until they become fully vested after six years of service.

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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