INTERMOUNTAIN HEALTH 401(K) PLAN Contribution & Employer Match

How INTERMOUNTAIN HEALTH CARE, INC. Supports Your Retirement Savings

INTERMOUNTAIN HEALTH CARE, INC. provides retirement savings benefits through INTERMOUNTAIN HEALTH 401(K) 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.

INTERMOUNTAIN HEALTH 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for INTERMOUNTAIN HEALTH 401(K) PLAN is $80,751.00

INTERMOUNTAIN HEALTH 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for INTERMOUNTAIN HEALTH 401(K) PLAN is $8,467.00. 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.
541,913.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,467.00 in INTERMOUNTAIN HEALTH 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in INTERMOUNTAIN HEALTH 401(K) 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.

INTERMOUNTAIN HEALTH 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, INTERMOUNTAIN HEALTH 401(K) PLAN allocates $215,608,000.00 to match its employees’ contributions, providing an employer match rate of 60.19% of their contributions

INTERMOUNTAIN HEALTH 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in INTERMOUNTAIN HEALTH 401(K) PLAN is approximately $2,548.00
Investing in this additonal $2,548.00 for 20 years would give you extra $163,076.00, 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.

INTERMOUNTAIN HEALTH 401(K) PLAN Contribution & Match Policy

INTERMOUNTAIN HEALTH 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may voluntarily elect to make pre-tax (traditional) and post-tax (Roth) contributions, subject to certain limitations under the Code.
  • Newly eligible employees are automatically enrolled in the Plan at a deferral rate of 1% of eligible compensation.
  • In addition, participants may rollover amounts representing distributions from other qualified defined benefit or contribution plans.
  • Highly compensated employees are limited in their contributions to 5% of eligible compensation subject to the annual limits allowed, as defined by the Code.
  • Effective on April 1, 2023, participant contributions are matched on a per period basis by Intermountain.
  • Participants are eligible to receive Intermountain’s matching contributions beginning on January or July 1 following their one-year anniversary.
  • Matching contribution rates are as follows: Percentage of participant’s compensation contributed: 1.0% – Matching contribution: 1.0%; 2.0% – Matching contribution: 2.0%; 3.0% – Matching contribution: 3.0%; 4.0% – Matching contribution: 3.5%; 5.0% and greater – Matching contribution: 4.0%.
  • In addition, for participants hired or rehired on or after April 4, 2020, Intermountain makes a fixed contribution of 2% of the participant’s eligible compensation provided the participant is employed by Intermountain on the last day of the Plan year.
  • Participants are fully vested in their voluntary contributions plus actual earnings thereon; however, vesting in Intermountain’s fixed contribution and matching portion of their accounts and earnings thereon is based on years of vesting service using the elapsed time method. Prior service hours are considered when employees are rehired. Effective as of April 1, 2023, the Plan was amended to change the
  • Less than 2 years: 0%

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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