THE PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC. Contribution & Employer Match
How THE PERMANENTE MEDICAL GROUP, INC. Supports Your Retirement Savings
THE PERMANENTE MEDICAL GROUP, INC. provides retirement savings benefits through THE PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC.. 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 PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC. Average Participant Retirement Account Value
* Data are from public filings.
Employer Match in THE PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC.
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 PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC. Estimated Average Employer Match
Investing in this additonal $11,241.00 for 20 years would give you extra $719,467.00, 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 PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC. Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 100% of their salary to the plan.
2. Employer Match/Contribution Conditions: TPMG makes contributions to each participant’s account equal to 5% of compensation for eligible physicians and 7% of compensation for eligible salaried employees up to the Social Security wage base, plus 10% of compensation in excess of that amount, subject to further limitations in the IRC.
3. Vesting Schedule/Eligibility: Salaried employee participants are immediately vested in their contributions. For physicians, the vesting schedule is graduated: 0% for less than 1 year, 10% after 1 year, 30% after 2 years, 50% after 3 years, 70% after 4 years, and 100% after 5 or more years. Active physicians aged 65 or older are 100% vested. Eligibility for physicians requires completing 1,000 hours of service in a 12-month period; salaried employees must complete two years of employment.
THE PERMANENTE CONTRIBUTION PLAN OF THE PERMANENTE MEDICAL GROUP, INC. 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:
| 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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