THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Contribution & Employer Match

How THE EYE CARE GROUP, P.C. Supports Your Retirement Savings

THE EYE CARE GROUP, P.C. provides retirement savings benefits through THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT. 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 EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT is $142,985.00

THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT is $3,270.00. 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.
209,312.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,270.00 in THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT

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 EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Total Employer Contribution and Match Rate

In 2024, THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT allocates $502,584.00 to match its employees’ contributions, providing an employer match rate of 90.93% of their contributions

THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT is approximately $3,418.00
Investing in this additonal $3,418.00 for 20 years would give you extra $218,812.00, 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 EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Contribution & Match Policy

1. Employee Contribution Rates: Up to 100% of their compensation.

2. Employer Match/Contribution Conditions: The employer makes a non-elective contribution equal to 3% of each participant’s eligible compensation. The discretionary matching contribution is equal to 25% of each participant’s elective contribution, up to the first 4% of compensation contributed.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions and safe-harbor contributions. For discretionary matching and profit-sharing contributions, participants must complete two years of service to become 20% vested, increasing by 20% each year up to 100% after six years of service. An employee completes a year of service by working at least 1,000 hours during a plan year.

4. Roth 401(k) contribution: Yes, the plan allows for after-tax Roth Contributions.

THE EYE CARE GROUP P.C. EMPLOYEES 401(K) PROFIT SHARING PLAN & TRUST AGREEMENT Maximum Match Calculator

This calculator helps to decide what’s the minimum contribution you have to maximize your employer match.










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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