F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY PLAN Contribution & Employer Match
How MCLENNAN COUNTY MEDICAL EDUCATION & RESEARCH FOUNDATION Supports Your Retirement Savings
MCLENNAN COUNTY MEDICAL EDUCATION & RESEARCH FOUNDATION provides retirement savings benefits through F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY 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.
F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY PLAN Average Participant Retirement Account Value
* Data are from public filings.
Employer Match in F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY 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.
F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY PLAN Estimated Average Employer Match
Investing in this additonal $1,118.00 for 20 years would give you extra $71,560.00, 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.
F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY PLAN Contribution & Match Policy
F.H.C. EMPLOYEES’ RETIREMENT AND SECURITY PLAN Contribution, Match and Other Plan Policies
- Each year, the Company contributes amounts to the Plan at the discretion of the Company’s board of directors.
- Participants are eligible for Company contributions if they are employed on the last day of the Plan year and they have worked greater than 1,000 hours during the Plan year.
- Contributions are vested to the participant based on years of continuous service.
- Effective January 1, 2015, a year of credited service for vesting purposes is 500 hours.
- Prior to December 31, 2014, a year of credited service was 1,000 hours.
- For participants employed on or after January 1, 2007, participants are vested 20% after two full years of service, and 20% each year thereafter, until full vesting occurs with six years of credited service.
- For participants employed prior to January 1, 2007 and for employer contributions made on or after January 1, 2007, participants are 20% vested after two full years of service, 40% after three years, 60% after four years, and become fully vested after five years of credited service.
- For employer contributions made prior to January 1, 2007, participants become fully vested after 5 years of credited service.
- Full vesting also occurs upon death, total disability, or attainment of retirement age.
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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