PARTNERS IN HOME CARE RETIREMENT PLAN Contribution & Employer Match
How PARTNERS IN HOME CARE, INC. Supports Your Retirement Savings
PARTNERS IN HOME CARE, INC. provides retirement savings benefits through PARTNERS IN HOME CARE 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.
PARTNERS IN HOME CARE RETIREMENT PLAN Average Participant Retirement Account Value
PARTNERS IN HOME CARE RETIREMENT PLAN Estimated Average Employee Contribution Amount
219,368.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,427.00 in PARTNERS IN HOME CARE RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PARTNERS IN HOME CARE 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.
PARTNERS IN HOME CARE RETIREMENT PLAN Total Employer Contribution and Match Rate
PARTNERS IN HOME CARE RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,118.00 for 20 years would give you extra $71,576.00, 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.
PARTNERS IN HOME CARE RETIREMENT PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to the maximum amounts allowed by law for the Plan year. Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and have an increase of 1% each year up to 15%.
2. Employer Match/Contribution Conditions: The discretionary Employer match is based on 100% of employee deferrals up to the first 4% of eligible compensation, plus 50% of employee deferrals between 4% and 6% of eligible compensation, not to exceed a total matching contribution of 5% of eligible compensation.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions plus actual earnings. Vesting in the Employer’s discretionary matching and profit sharing contributions is based on years of service: 20% vested after one year of service, an additional 20% for each year thereafter, fully vested after five years, or in the event of death or total and permanent disability.
4. Allows Roth 401(k) contribution: Yes.
PARTNERS IN HOME CARE RETIREMENT PLAN Maximum Match Calculator
This calculator helps to decide what’s the minimum contribution you have to maximize your employer match.
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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