ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Contribution & Employer Match

How ROTECH HEALTHCARE INC. Supports Your Retirement Savings

ROTECH HEALTHCARE INC. provides retirement savings benefits through ROTECH HEALTHCARE INC. 401(K) SAVINGS 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.

ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN is $15,770.00

ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN is $2,230.00. 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.
142,774.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,230.00 in ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ROTECH HEALTHCARE INC. 401(K) SAVINGS 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.

* 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.

ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Contribution & Match Policy

ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Plan Policies

ROTECH HEALTHCARE INC. 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 75% of their compensation, subject to Internal Revenue Code (IRC) limitations.
  • Participant contributions may be made on a pre-tax or Roth after tax basis.
  • Participants who are at least age 50 may make an additional catch-up contribution subject to IRC limitations.
  • All newly eligible participants are automatically enrolled in the Plan at 3% unless they opt out or make a different election.
  • The automatic deferral percentage will increase by 1% per year up to a maximum of 10% of compensation unless a participant opts out.
  • The Company may make a discretionary matching contribution to participants who have completed at least 1,000 hours of service during the plan year and are employed on the last day of the plan year.
  • The Company did not make a discretionary matching contribution for the year ended December 31, 2024.
  • Vesting schedule: 1 year: 0% 2 years: 25% 3 years: 50% 4 years: 75% 5 years: 100% Participants become 100% vested in the Company’s contributions and earnings thereon upon death, total and permanent disability, attainment of normal retirement age, or attainment of early retirement age and five years of service.

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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