THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Contribution & Employer Match
How THE DOCTORS MANAGEMENT COMPANY Supports Your Retirement Savings
THE DOCTORS MANAGEMENT COMPANY provides retirement savings benefits through THE DOCTORS MANAGEMENT COMPANY 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.
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Average Participant Retirement Account Value
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
611,763.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,558.00 in THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE DOCTORS MANAGEMENT COMPANY 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.
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $6,215.00 for 20 years would give you extra $397,797.00, 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.
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute up to 100% of their annual compensation and bonus subject to Internal Revenue Service (IRS) limitations.
2. Employer Match/Contribution Conditions: The Employer makes matching contributions equal to 200% of the participants’ elective contribution, up to a maximum of 4% of each participant’s compensation per pay period. Additionally, the Employer contributes an additional 2% non-elective contribution to all eligible participants.
3. Vesting Schedule/Eligibility: Non-elective employer contributions are 100% vested immediately. Employer matching contributions vest as follows: 20% after one year of service, 40% after two years, 60% after three years, 80% after four years, and 100% after five years. Benefits fully vest upon normal retirement, death, or permanent disability (while in the employment of the Employer), or upon termination of the Plan. Eligibility requires employees to be age 18 or older.
THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN Maximum Employer Match Calculator
This calculator helps participants of THE DOCTORS MANAGEMENT COMPANY 401(K) SAVINGS PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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