PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Contribution & Employer Match

How PAIN MANAGEMENT SOLUTIONS, LLC. Supports Your Retirement Savings

PAIN MANAGEMENT SOLUTIONS, LLC. provides retirement savings benefits through PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST. 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.

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST is $36,577.00

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST is $4,666.00. 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.
298,677.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,666.00 in PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST

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.

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST allocates $1,262,865.00 to match its employees’ contributions, providing an employer match rate of 36.82% of their contributions

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST is approximately $1,383.00
Investing in this additonal $1,383.00 for 20 years would give you extra $88,525.00, 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.

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Contribution & Match Policy

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Plan Policies

PAIN MANAGEMENT SOLUTIONS, LLC 401(K) PS PLAN AND TRUST Contribution, Match and Other Plan Policies

  • The Plan generally allows eligible employees to contribute an amount not to exceed the lesser of 85% of their compensation or an amount which, when added to other additions (exclusive of earnings) to the participant’s account in any plan year, does not exceed the maximum limitation on annual additions to a participant’s account under applicable provisions of the Internal Revenue Code.
  • 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 feature whereby a participant who meets the eligibility requirements of the Plan will have an initial percentage of their pay withheld, unless the participant elects to decline enrollment.
  • Under the provisions of automatic enrollment, a participant’s initial contribution level is 3% and will increase by 1% April of each subsequent year of participation up to a maximum of 10% of salary.
  • The Company matches 50% of employee contributions up to 8% of compensation.
  • Participants are immediately vested in all of their contributions and investment earnings thereon.
  • Vesting in the Company’s profit sharing and matching contributions, and investment earnings thereon, is based on years of credited service on a 5-year and 6-year graded vesting schedule, respectively.
  • In the event of death, disability, or retirement, a participant’s interest is immediately fully vested in the employer contributions and related earnings under terms set forth in the Plan agreement.

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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