ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Contribution & Employer Match

How ST. CLAIR SPECIALTY PHYSICIANS, P.C Supports Your Retirement Savings

ST. CLAIR SPECIALTY PHYSICIANS, P.C provides retirement savings benefits through ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’. 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.

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ is $136,249.00

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ is $9,629.00. 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.
616,286.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,629.00 in ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’

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.

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Total Employer Contribution and Match Rate

In 2024, ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ allocates $308,139.00 to match its employees’ contributions, providing an employer match rate of 44.44% of their contributions

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ is approximately $2,139.00
Investing in this additonal $2,139.00 for 20 years would give you extra $136,950.00, 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.

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Contribution & Match Policy

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Plan Policies

ST. CLAIR SPECIALTY PHYSICIANS, P. C. EMPLOYEES’ Contribution, Match and Other Plan Policies

  • Each participant may elect to defer for each plan year up to 100% of eligible compensation not to exceed $23,000 and $22,500 for the years ended December31, 2024 and 2023, respectively.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company has elected to make nonelective safe-harbor contributions to the Plan at the rate of 100% up to the first 3% of eligible compensation contributed by the participant.
  • The Company, in its sole discretion, may make matching contributions to the Plan.
  • Discretionary matching contributions will be equal to a percentage of participant salary deferrals, not to exceed 4% of compensation in any Plan year.
  • Participant deferral contributions, employer safe harbor contributions, employer matching contributions, employer profit sharing contributions and rollover contributions are always fully vested.

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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