GUARDIAN ANGELS 403B RETIREMENT PLAN Contribution & Employer Match

How GUARDIAN ANGELS HEALTH SERVICES INC. Supports Your Retirement Savings

GUARDIAN ANGELS HEALTH SERVICES INC. provides retirement savings benefits through GUARDIAN ANGELS 403B RETIREMENT 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.

GUARDIAN ANGELS 403B RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GUARDIAN ANGELS 403B RETIREMENT PLAN is $15,288.00

GUARDIAN ANGELS 403B RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GUARDIAN ANGELS 403B RETIREMENT PLAN is $1,593.00. 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.
101,961.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,593.00 in GUARDIAN ANGELS 403B RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GUARDIAN ANGELS 403B RETIREMENT 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.

GUARDIAN ANGELS 403B RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, GUARDIAN ANGELS 403B RETIREMENT PLAN allocates $580,106.00 to match its employees’ contributions, providing an employer match rate of 54.80% of their contributions

GUARDIAN ANGELS 403B RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GUARDIAN ANGELS 403B RETIREMENT PLAN is approximately $919.00
Investing in this additonal $919.00 for 20 years would give you extra $58,838.00, 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.

GUARDIAN ANGELS 403B RETIREMENT PLAN Contribution & Match Policy

GUARDIAN ANGELS 403B RETIREMENT PLAN Plan Policies

GUARDIAN ANGELS 403B RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants are permitted to elect to have up to 100% of their compensation contributed as pre-tax 403(b) or Roth contributions to the Plan.
  • The 403(b) Plan allows participants age 50 and older to make catch-up contributions.
  • The 403(b) Plan also allows participants with 15 years of service to make additional catch-up contributions in amounts up to $3,000 per year, subject to a lifetime limitation of $15,000.
  • The Plan includes an automatic enrollment provision whereby all newly eligible employees, are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • For the year ended December 31, 2024, the Employer matching contribution was equal to 100% of deferrals up to a maximum of 2% of eligible compensation, and the Employer nonelective contribution was equal to 3% of eligible compensation.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Employer contributions made prior to December 31, 2020 into the 401(a) Plan became 100% vested effective December 31, 2020 with the freeze of the 401(a) Plan.
  • Employer contributions on and after January 1, 2021 into the 403(b) Plan, plus actual earnings thereon, vest at a rate of 20% per year.
  • A participant is fully vested following the completion of five years of credited service.
  • Notwithstanding the above, participants shall become 100% vested in their account upon attaining normal retirement (age 62), death, or disability.

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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