FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Contribution & Employer Match
How FOUR SEASONS ORTHOPAEDIC CENTER, PA Supports Your Retirement Savings
FOUR SEASONS ORTHOPAEDIC CENTER, PA provides retirement savings benefits through FOUR SEASONS ORTHOPEDIC CENTER, PA 401K 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.
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Average Participant Retirement Account Value
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Estimated Average Employee Contribution Amount
628,813.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,825.00 in FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FOUR SEASONS ORTHOPEDIC CENTER, PA 401K 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.
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Total Employer Contribution and Match Rate
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Estimated Average Employer Match
Investing in this additonal $5,760.00 for 20 years would give you extra $368,670.00, 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.
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Contribution & Match Policy
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100% of eligible compensation as defined in the Plan, limited to a maximum amount as periodically set by the Internal Revenue Service (IRS).
- Participants who have attained the age of 50 before the end of the plan year may contribute an additional amount set by the IRS.
- The match during 2024 and 2023 equaled 25% of the first 4% deferred by employees, for a maximum match of 1%.
- During 2024 and 2023, the Company made a safe harbor contribution equal to 3% of participants’ eligible compensation regardless of their deferral amount.
- Participants are immediately vested in their voluntary contributions and safe harbor contributions, plus actual earnings thereon.
- Vesting in the Company’s matching and discretionary profit-sharing contribution portion of the participant’s account plus actual earnings thereon is based on years of continuous service.
- A participant is 20% vested after two years of credited service, with an additional 20% per year thereafter until fully vested.
- Upon normal retirement age, 62 years old, death, or disability, a participant becomes fully vested.
FOUR SEASONS ORTHOPEDIC CENTER, PA 401K PLAN Maximum Employer Match Calculator
This calculator helps participants of FOUR SEASONS ORTHOPEDIC CENTER, PA 401K 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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