RURAL MED 401(K) PLAN Contribution & Employer Match

How NEBRASKA PROVIDER ALLIANCE LLC DBA RURAL MED MANAGEMENT RESOURCES Supports Your Retirement Savings

NEBRASKA PROVIDER ALLIANCE LLC DBA RURAL MED MANAGEMENT RESOURCES provides retirement savings benefits through RURAL MED 401(K) 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.

RURAL MED 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RURAL MED 401(K) PLAN is $76,569.00

RURAL MED 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RURAL MED 401(K) PLAN is $3,576.00. 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.
228,901.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,576.00 in RURAL MED 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RURAL MED 401(K) 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.

RURAL MED 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, RURAL MED 401(K) PLAN allocates $275,222.00 to match its employees’ contributions, providing an employer match rate of 45.27% of their contributions

RURAL MED 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RURAL MED 401(K) PLAN is approximately $1,741.00
Investing in this additonal $1,741.00 for 20 years would give you extra $111,482.00, 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.

RURAL MED 401(K) PLAN Contribution & Match Policy

RURAL MED 401(K) PLAN Plan Policies

RURAL MED 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to make contributions of their pre-tax and post-tax (Roth) compensation, as defined by the Plan.
  • The Plan includes an auto-enrollment provision.
  • Employees are automatically enrolled in the Plan unless they affirmatively choose not to participate in the Plan.
  • Automatically enrolled employees have their deferral rate set at 4% of compensation and their contributions invested in a designated fund until changed by the employee.
  • The automatic deferral rate will automatically escalate by 1% each year up to a maximum of 10% of compensation.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Employers may make matching contributions equal to a discretionary percentage of a Participant’s Elective Deferrals, to be determined by the Employers, of each tier, to be determined by the Employers.
  • The tiers may be based on the rate of a Participant’s Elective Deferrals or Years of Service.
  • For the Plan year 2024, the Employers elected a discretionary tiered matching contribution of 100% of the participant’s contributions that do not exceed 3% of the participant’s eligible compensation for participants with less than 5 years of service and 100% of the participant’s contributions that do not exceed 4% of the participant’s eligible compensation for participants with greater than 5 years of service.
  • Participants are vested immediately in their contributions (including rollovers), plus actual earnings thereon. The vested portion of any Employers discretionary tiered or discretionary profit-sharing contributions shall be a percentage of the total amount credited to the participant’s account determined on the basis of the participant’s number of years of service (1,000 hours of service in a Plan year) according to the following schedule: Completed Percentage Years of Service
  • Less than 1 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:

 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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