UNITED DIGESTIVE 401(K) PLAN Contribution & Employer Match

How ATLANTA GASTROENTEROLOGY ASSOCIATES Supports Your Retirement Savings

ATLANTA GASTROENTEROLOGY ASSOCIATES provides retirement savings benefits through UNITED DIGESTIVE 401(K) 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.

UNITED DIGESTIVE 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for UNITED DIGESTIVE 401(K) PLAN is $67,203.00

UNITED DIGESTIVE 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for UNITED DIGESTIVE 401(K) PLAN is $8,366.00. 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.
535,436.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,366.00 in UNITED DIGESTIVE 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in UNITED DIGESTIVE 401(K) 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.

UNITED DIGESTIVE 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, UNITED DIGESTIVE 401(K) PLAN allocates $2,957,339.00 to match its employees’ contributions, providing an employer match rate of 52.06% of their contributions

UNITED DIGESTIVE 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in UNITED DIGESTIVE 401(K) PLAN is approximately $2,177.00
Investing in this additonal $2,177.00 for 20 years would give you extra $139,373.00, 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.

UNITED DIGESTIVE 401(K) PLAN Contribution & Match Policy

UNITED DIGESTIVE 401(K) PLAN Plan Policies

UNITED DIGESTIVE 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Participants also may contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
  • The Company makes safe harbor contributions of up to 100 percent of participant deferrals not to exceed 4 percent of a participant’s compensation.
  • Additional discretionary amounts may be contributed by the Company at the option of the Board of Directors.
  • For the year ended December 31, 2024, there were no discretionary contributions to the Plan.
  • Participants are vested immediately in their contributions, safe harbor Company contributions, plus actual earnings thereon.
  • Vesting in the Company’s discretionary contributions is based on years of continuous service.
  • A participant is 20 percent vested after 1 year of credited service and continues to vest in increments of 20 percent until 100 percent vested after 5 years of credited service.

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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