NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Employer Match
How NORTHEAST GEORGIA HEALTH SYSTEM, INC. Supports Your Retirement Savings
NORTHEAST GEORGIA HEALTH SYSTEM, INC. provides retirement savings benefits through NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS 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.
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
585,531.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,148.00 in NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS 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.
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,407.00 for 20 years would give you extra $154,059.00, 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.
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Match Policy
NORTHEAST GEORGIA HEALTH SYSTEM, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute to the Plan, through salary reduction, a percentage of their eligible compensation for the Plan year up to the Internal Revenue Service limit.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan has an automatic enrollment provision whereby employees must elect out of the Plan if they do not wish to participate.
- These provisions call for the Plan sponsor to automatically withhold 3% from a participant’s compensation for contribution to the Plan with automatic 1% deferral increases, starting after the first full year of Plan participation, each year until a 6% deferral level is attained, unless the participant elects a lesser percentage (including zero).
- The Plan sponsor makes a safe harbor contribution of 100% of the first 2% deferred and 50% of all deferrals greater than 2% but less than or equal to 6%.
- Subsequent to year end, the Plan was amended to increase the Plan sponsor’s safe harbor contribution.
- Effective January 1, 2025, the Plan sponsor will contribute 100% of the first 3% deferred and 50% of all deferrals greater than 3% but less than or equal to 6%.
- Participants are immediately vested in their salary reduction contributions, including catch-up contributions, rollover contributions from other plans, plus actual earnings thereon.
- If participants are employed on or after their Normal Retirement Age or if they terminate employment on account of death or disability, they are 100% vested in their matching contributions.
- Participants are vested in safe harbor and matching contributions based on years of credited employment and employment date as follows: Service Years | Safe Harbor | Matching < 1 | 0% | 0% 1 | 0% | 0% 2 | 100% | 100% 3 | 100% | 100% 4 | 100% | 100% 5 | 100% | 100% 6 | 100% | 100%
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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