METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Contribution & Employer Match
How METRO-WEST ANESTHESIA GROUP, INC. Supports Your Retirement Savings
METRO-WEST ANESTHESIA GROUP, INC. provides retirement savings benefits through METRO-WEST ANESTHESIA GROUP, INC. 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.
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Average Participant Retirement Account Value
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
1,082,486.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 16,913.00 in METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in METRO-WEST ANESTHESIA GROUP, INC. 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.
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Total Employer Contribution and Match Rate
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $16,216.00 for 20 years would give you extra $1,037,873.00, 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.
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Contribution & Match Policy
METRO-WEST ANESTHESIA GROUP, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute to the Plan 100% of their pre-tax annual compensation, as defined in the Plan.
- Participants may also make after-tax contributions by designating salary deferrals as Roth deferrals.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollovers).
- The Plan includes a safe harbor nonelective contribution provision.
- Under this provision, the Company makes a safe harbor nonelective contribution equal to 3% of the compensation of each eligible participant, as defined.
- The Company may also make discretionary contributions to the Plan.
- During 2024, there was approximately $2,099,100 in discretionary contributions made to the Plan.
- Participants are vested immediately in their contributions and safe harbor nonelective contributions plus actual earnings thereon.
- Vesting in the Company’s discretionary contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service.
- A participant becomes 100% vested after three 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:
| 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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