SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Contribution & Employer Match
How GREAT RIVER MEDICAL CENTER Supports Your Retirement Savings
GREAT RIVER MEDICAL CENTER provides retirement savings benefits through SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B). 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.
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Average Participant Retirement Account Value
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Estimated Average Employee Contribution Amount
55,325.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 864.00 in SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B), assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B)
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.
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Total Employer Contribution and Match Rate
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Estimated Average Employer Match
Investing in this additonal $1,025.00 for 20 years would give you extra $65,651.00, 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.
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Contribution & Match Policy
SOUTHEAST IOWA REGIONAL MEDICAL CENTER 403(B) Contribution, Match and Other Plan Policies
- Eligible employees may elect to enter into a salary deferral agreement authorizing pre-tax or Roth deferral contributions up to 100% of their compensation each year up to the maximum allowed by law.
- The Plan allows participants age 50 and older to make catch-up contributions.
- The Plan includes an automatic enrollment feature equal to 6% of compensation once an employee meets the eligibility requirements, unless the participant elects otherwise.
- Employees have 90 days to elect out or change their deferral percentage after automatically entering the Plan.
- Participants who are automatically enrolled will automatically have their deferral percentage increased each year by 1% until the participant’s salary reduction reaches 10%, unless the participant elects to opt out.
- For the year ended December 31, 2024, the Employer elected to match 50% of an employee’s salary deferral contributions not to exceed 2% of the employee’s compensation deferred.
- Participants are immediately vested in their deferral contributions and Employer contributions, plus actual earnings (losses) thereon.
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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