ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Contribution & Employer Match
How ORTHOPEDIC SPECIALISTS OF NORTH AMERICA, PLLC Supports Your Retirement Savings
ORTHOPEDIC SPECIALISTS OF NORTH AMERICA, PLLC provides retirement savings benefits through ORTHOARIZONA RETIREMENT PLAN (FKA OSNA 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.
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Average Participant Retirement Account Value
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Estimated Average Employee Contribution Amount
157,927.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,467.00 in ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN), assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ORTHOARIZONA RETIREMENT PLAN (FKA OSNA 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.
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Total Employer Contribution and Match Rate
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Estimated Average Employer Match
Investing in this additonal $3,141.00 for 20 years would give you extra $201,038.00, 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.
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 75% of their compensation.
2. Employer Match/Contribution Conditions: The employer matches a safe harbor contribution equal to 3% of each eligible participant’s compensation.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions plus actual earnings. Vesting in the employer’s contributions is as follows:
4. – Less than 2 years: 0%
5. – 2 years but less than 3: 20%
6. – 3 years but less than 4: 40%
7. – 4 years but less than 5: 60%
8. – 5 years but less than 6: 80%
9. – 6 years or more: 100%
10. Roth 401(k) contribution: Yes, the plan allows Roth contributions.
ORTHOARIZONA RETIREMENT PLAN (FKA OSNA RETIREMENT PLAN) Maximum Employer Match Calculator
This calculator helps participants of ORTHOARIZONA RETIREMENT PLAN (FKA OSNA 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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