ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Contribution & Employer Match

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Contribution & Employer Match

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. provides the following retirement savings benefits to its employees:

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN is $218,700.00

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN is $6,293.00. 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.
402,775.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,293.00 in ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2023, ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN allocates $954,994.00 to match its employees' contributions, providing an employer match rate of 109.17% of their contributions

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN is approximately $6,725.00
Investing in this additonal $6,725.00 for 20 years would give you extra $430,419.00, assuming a 10% annual return.

ORTHOPEDIC SURGEONS OF WISCONSIN, S.C. RETIREMENT PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants may contribute a percentage of their compensation, with the plan also permitting Roth elective deferral contributions.

2. Employer Match/Contribution Conditions: A safe harbor contribution equal to 3% of the employee's eligible compensation is made for all employees eligible to participate in the plan, with the exception of highly compensated employees (HCEs) who are not eligible for safe harbor contributions. A profit-sharing contribution may be made at the employer's discretion.

3. Vesting Schedule/Eligibility: Participants are always 100% vested in their elective deferral and rollover contributions. They begin vesting in employer profit sharing contributions after two years of service (25% vested), become 50% vested after three years, and are fully vested after four years. Upon death, disability, or qualified retirement, participants become 100% vested. Employees are eligible to participate in the plan once they have completed one year of service and reached age 18.

4. Roth 401(k) Contribution: Yes, the plan permits Roth elective deferral contributions.

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