MMPS RETIREMENT PLAN Contribution & Employer Match
How MOUNTAIN MEDICAL PHYSICIAN SPECIALISTS, P.C. Supports Your Retirement Savings
MOUNTAIN MEDICAL PHYSICIAN SPECIALISTS, P.C. provides retirement savings benefits through MMPS 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.
MMPS RETIREMENT PLAN Average Participant Retirement Account Value
MMPS RETIREMENT PLAN Estimated Average Employee Contribution Amount
204,385.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,193.00 in MMPS RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MMPS 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.
MMPS RETIREMENT PLAN Total Employer Contribution and Match Rate
MMPS RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $7,333.00 for 20 years would give you extra $469,345.00, 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.
MMPS RETIREMENT PLAN Contribution & Match Policy
MMPS RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to the maximum percentage of compensation and annual dollar limit permitted under the applicable provisions of the Internal Revenue Code and as defined by the Plan document.
- Participants may also roll over amounts representing distributions from other qualified plans.
- The Sponsor makes safe harbor contributions at a rate approved by the board of trustees and may also make discretionary contributions which are not required for any given plan year.
- Vesting schedule: Less than two years: 0% Two or more years: 100% Participants are immediately vested in their deferral and safe harbor contributions plus actual earnings thereon.
- If a participant dies, becomes disabled, or reaches the normal retirement age of 65 while employed by the Sponsor, the participant’s interest in the Plan becomes 100 percent non-forfeitable without regard to the vesting schedule.
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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