KEYSTONE RECOVERY CENTER Contribution & Employer Match

How KEYSTONE RECOVERY CENTER Supports Your Retirement Savings

KEYSTONE RECOVERY CENTER provides retirement savings benefits through KEYSTONE RECOVERY CENTER. 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.

KEYSTONE RECOVERY CENTER Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KEYSTONE RECOVERY CENTER is $7,514.00

KEYSTONE RECOVERY CENTER Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KEYSTONE RECOVERY CENTER is $3,097.00. 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.
198,257.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,097.00 in KEYSTONE RECOVERY CENTER, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KEYSTONE RECOVERY CENTER

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.

* 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.

KEYSTONE RECOVERY CENTER Contribution & Match Policy

KEYSTONE RECOVERY CENTER Plan Policies

KEYSTONE RECOVERY CENTER Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 90% of pretax annual compensation in increments of 1% (subject to annual statutory limits), as defined in the Plan.
  • The maximum participant deferrals for the years ended December 31, 2024 and 2023 were $23,000 and $22,500, respectively.
  • Participants age 50 and over are also eligible to make catch-up contributions up to a maximum of $7,500 for the years ended December 31, 2024 and 2023.
  • The Company automatically enrolls participants at a voluntary elective contribution of 2%.
  • Additional profit sharing amounts may be contributed at the option of the Company’s board of directors.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
  • A participant is 100% vested after six years of credited service.

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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