OPTUMCARE 401(K) RETIREMENT PLAN Contribution & Employer Match
How PROHEALTH PHYSICIANS, P.C. Supports Your Retirement Savings
PROHEALTH PHYSICIANS, P.C. provides retirement savings benefits through OPTUMCARE 401(K) 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.
OPTUMCARE 401(K) RETIREMENT PLAN Average Participant Retirement Account Value
OPTUMCARE 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount
510,723.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,980.00 in OPTUMCARE 401(K) RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OPTUMCARE 401(K) 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.
OPTUMCARE 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate
OPTUMCARE 401(K) RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,853.00 for 20 years would give you extra $118,643.00, 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.
OPTUMCARE 401(K) RETIREMENT PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 80% of their eligible pay to the plan.
2. Employer Match/Contribution Conditions: The employer makes a safe harbor matching contribution equal to 100% of applicable contributions up to 1% of eligible compensation, plus 50% of the next 5% of eligible compensation, for a maximum contribution of 3.5% per payroll period. Participants become eligible for matching contributions after one year of service.
3. Vesting Schedule/Eligibility: Safe harbor matching contributions vest at 100% after 2 or more years of service. They also vest 100% upon death, attainment of normal retirement age (age 65), disability, partial plan termination, complete termination of the Plan, or complete discontinuance of employer contributions.
4. Roth 401(k) contribution: The plan allows Roth 401(k) contributions.
OPTUMCARE 401(K) RETIREMENT PLAN Maximum Employer Match Calculator
This calculator helps participants of OPTUMCARE 401(K) RETIREMENT PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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