OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Contribution & Employer Match

How OHIOHEALTH Supports Your Retirement Savings

OHIOHEALTH provides retirement savings benefits through OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B). 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.

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Average Participant Retirement Account Value

In 2024, the average participant retirement account value for OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) is $77,631.00

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) is $4,744.00. 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.
303,679.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,744.00 in OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B), assuming a 10%* annual return.

* Data are from public filings.

Employer Match in OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B)

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.

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Total Employer Contribution and Match Rate

In 2024, OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) allocates $83,322,713.00 to match its employees’ contributions, providing an employer match rate of 52.10% of their contributions

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) is approximately $2,369.00
Investing in this additonal $2,369.00 for 20 years would give you extra $151,659.00, 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.

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Contribution & Match Policy

OHIOHEALTH RETIREMENT SAVINGS PLAN 403(B) Contribution, Match and Other Plan Policies

  • Participants may contribute any portion of their salaries and wages to the Plan, subject to certain limitations as prescribed by the Internal Revenue Code (the Code).
  • After-tax Roth contributions may be contributed to the participant’s account in addition to or in lieu of pre-tax contributions to meet the elective contribution amount for the year.
  • The total participant contribution will be eligible for the Plan matching contribution.
  • The Company makes per-pay matching contributions to the Plan equal to 50% of a participant’s elective contributions for the payroll period, not to exceed 2% of the participant’s compensation for those participants with less than twenty years of service (not to exceed 3% of the participant’s compensation for those participants with twenty or more years of service).
  • The Company will also make a "true-up" matching contribution for each participant receiving per-pay matching contributions that is employed by the Company or a related participating employer on the last day of the plan year.
  • Once employees begin contributing to the Plan, they are eligible for the employer matching contribution.
  • Participants hired before July 1, 2016 vest or own the matching contribution upon deposit.
  • Otherwise, participants hired on or after July 1, 2016 vest in the matching contributions after being employed for three plan years during which the participant completes at least 1,000 hours of service.
  • Associates hired or rehired on or after January 1, 2012, are eligible for an Annual Retirement Contribution (ARC).
  • If the participant was hired prior to January 1, 2015, the ARC becomes fully vested after the participant completes three years of service in which the participant completes at least 1,000 hours of service; or if the participant is employed by the companies at age 65.
  • If the participant was hired on or after January 1, 2015, the ARC becomes fully vested after the participant completes three years of service in which the participant completes 1,000 hours of service; or if the participant is employed by the companies on the participant’s normal retirement date.
  • The participants are 100% vested in the amounts that are contributed by both the participants and the Company (except as described above).

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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