PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Contribution & Employer Match
How PINE REST CHRISTIAN MENTAL HEALTH SERVICES Supports Your Retirement Savings
PINE REST CHRISTIAN MENTAL HEALTH SERVICES provides retirement savings benefits through PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND 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.
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Average Participant Retirement Account Value
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Estimated Average Employee Contribution Amount
234,869.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,669.00 in PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND 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.
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Total Employer Contribution and Match Rate
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $677.00 for 20 years would give you extra $43,359.00, 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.
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Contribution & Match Policy
PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to make contributions to the Plan through payroll deductions of up to 75% of each participant’s eligible compensation, as defined, subject to statutory limitations.
- Upon satisfying eligibility requirements, an employee who is regularly scheduled to work at least 20 hours per week shall automatically defer 4% of eligible compensation, unless an alternate election is made.
- In addition, the automatic deferral will be annually increased by 1% of compensation up to 10% on each subsequent March 15.
- Participants that meet certain criteria are eligible to make catch-up contributions to the Plan.
- For the years ended December 31, 2024 and 2023, the matching contribution was 25% of participant deferrals up to 8% of compensation deferred.
- Participants are immediately vested in their voluntary contributions plus actual earnings thereon. Participants whose date of employment is before July 1, 2016 are immediately vested in all accounts. Vesting in the employer contribution accounts for those hired after July 1, 2016 is based on years of continuous service, as follows:
- Less than 3 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
Join our community and get data-driven insights about PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
- GSK 401(K) PLAN Review: 11% Employer Contribution Combines Match Makes It One of the Most Generous
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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching PINE REST CHRISTIAN MENTAL HEALTH SERVICES SAVINGS AND RETIREMENT PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- HILLSIDE CHILDREN'S CENTER 403(B) PLAN (2,818 participants, $105,470,173)
- UPSTATE CARING PARTNERS 403(B) RETIREMENT PLAN (2,851 participants, $66,354,686)
- BETHANY CHRISTIAN SERVICES TAX SHELTERED SAVINGS RETIREMENT PLAN (2,616 participants, $64,570,294)
- EMPLOYEE BENEFIT PLAN OF RISING GROUND, INC. (2,921 participants, $33,831,851)
- CENTERLIGHT HEALTHCARE, INC.403(B) RETIREMENT PLAN (2,536 participants, $94,318,694)