RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Contribution & Employer Match
How RXBENEFITS, INC. Supports Your Retirement Savings
RXBENEFITS, INC. provides retirement savings benefits through RXBENEFITS, INC. RETIREMENT 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.
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
627,482.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,804.00 in RXBENEFITS, INC. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RXBENEFITS, INC. RETIREMENT 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.
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $3,063.00 for 20 years would give you extra $196,033.00, 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.
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Contribution & Match Policy
RXBENEFITS, INC. RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to make pretax and/or Roth contributions of up to 100 percent of pretax annual compensation, not to exceed federal limits.
- The Plan also provides for an automatic deferral feature of six percent of eligible compensation for newly eligible employees, unless they elect otherwise.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- For the year ended December 31, 2024, the Company contributed safe harbor matching amounts equivalent to 100 percent of the first one percent plus 50 percent of the next five percent of eligible compensation.
- Additional discretionary matching and nonelective contributions may be made at the option of the Company.
- No such contributions were made in 2024.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Vesting in the Company contribution portion of their account is based on years of continuous service.
- A participant is 100 percent vested after two years of credited service for Company safe harbor matching contributions and six years of credited service for Company discretionary matching and nonelective contributions.
- Additionally, any participants who merged into the Plan from the Insperity 401(k) Plan on January 21, 2022 are 100 percent vested in their Company discretionary nonelective contribution portion of their account.
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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