PANORAMIC HEALTH 401K PLAN Contribution & Employer Match
How USN OPCO, LLC Supports Your Retirement Savings
USN OPCO, LLC provides retirement savings benefits through PANORAMIC HEALTH 401K 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.
PANORAMIC HEALTH 401K PLAN Average Participant Retirement Account Value
PANORAMIC HEALTH 401K PLAN Estimated Average Employee Contribution Amount
865,308.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,520.00 in PANORAMIC HEALTH 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PANORAMIC HEALTH 401K 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.
PANORAMIC HEALTH 401K PLAN Total Employer Contribution and Match Rate
PANORAMIC HEALTH 401K PLAN Estimated Average Employer Match
Investing in this additonal $2,110.00 for 20 years would give you extra $135,047.00, 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.
PANORAMIC HEALTH 401K PLAN Contribution & Match Policy
PANORAMIC HEALTH 401K PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 75% of their compensation on a pre-tax or Roth basis, as defined in the Plan, subject to certain Internal Revenue Code (IRC) limitations.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan has a qualified automatic contribution arrangement (QACA) where participants are automatically enrolled in the Plan following eligibility at a pre-tax contribution rate of 6%, unless an election is made to contribute a different percentage or unless the participant declines participation in the Plan.
- The Employers make safe harbor non-elective QACA contributions of 3% of compensation for each eligible participant.
- The Employers may also make discretionary matching, discretionary non-elective, and discretionary qualified non-elective contributions each year to the Plan.
- Vesting schedule:
- Less than 2 years: 0%
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.
Get Key Insights for This Plan
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
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- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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