INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match
How INDEPENDENT PHYSICIANS RESOURCE, INC. Supports Your Retirement Savings
INDEPENDENT PHYSICIANS RESOURCE, INC. provides retirement savings benefits through INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST. 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.
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount
229,425.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,584.00 in INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST
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.
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $1,893.00 for 20 years would give you extra $121,169.00, 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.
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 99% of eligible compensation, not to exceed $19,500 in 2021, plus a catch-up contribution of up to $6,500 for participants age 50 and older.
2. Employer Match/Contribution Conditions: The employer makes safe harbor matching contributions of 100% of the participant’s deferral up to the first 5% of eligible compensation.
3. Vesting Schedule/Eligibility: Participants vest immediately in their contributions and employer safe harbor matching contributions. They become 100% vested in the employer’s discretionary profit-sharing contributions after three years of service. Employees are eligible to participate after a service requirement of 30 days and upon attaining the age of 21.
4. Roth 401(k) Contribution: Yes, the plan allows Roth contributions.
INDEPENDENT PHYSICIANS 401(K) PROFIT SHARING PLAN & TRUST Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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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