FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Contribution & Employer Match
How FAMILY HEALTH CENTERS OF SAN DIEGO Supports Your Retirement Savings
FAMILY HEALTH CENTERS OF SAN DIEGO provides retirement savings benefits through FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY 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.
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Average Participant Retirement Account Value
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Estimated Average Employee Contribution Amount
350,772.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,480.00 in FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY 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.
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Total Employer Contribution and Match Rate
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Estimated Average Employer Match
Investing in this additonal $1,991.00 for 20 years would give you extra $127,472.00, 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.
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 50% of pretax annual compensation.
2. Employer Match/Contribution Conditions: The Company makes matching contributions of 50% of each participant’s contribution up to 10% of the participant’s compensation per payroll.
3. Vesting Schedule/Eligibility: Vesting in employer matching contributions is based on years of continuous service: 0% after less than 1 year, 25% after 1 year, 50% after 2 years, 75% after 3 years, and 100% after 4 or more years. Employees are eligible for employer contributions after completing one year of service in which they have worked 1,000 hours.
FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN Maximum Employer Match Calculator
This calculator helps participants of FAMILY HEALTH CENTERS OF SAN DIEGO TAX DEFERRED ANNUITY PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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