US HEALTHVEST GROUP 401(K) PLAN Contribution & Employer Match
How 2014 HEALTH, LLC Supports Your Retirement Savings
2014 HEALTH, LLC provides retirement savings benefits through US HEALTHVEST GROUP 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.
US HEALTHVEST GROUP 401(K) PLAN Average Participant Retirement Account Value
US HEALTHVEST GROUP 401(K) PLAN Estimated Average Employee Contribution Amount
90,644.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,416.00 in US HEALTHVEST GROUP 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in US HEALTHVEST GROUP 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.
US HEALTHVEST GROUP 401(K) PLAN Total Employer Contribution and Match Rate
US HEALTHVEST GROUP 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $662.00 for 20 years would give you extra $42,383.00, 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.
US HEALTHVEST GROUP 401(K) PLAN Contribution & Match Policy
US HEALTHVEST GROUP 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, employees may contribute up to 85% of their eligible compensation to the Plan on a pre-tax basis or on an after-tax (Roth) basis, as defined by the Plan document.
- Participant contributions may not exceed the Federal statutory limit as specified by the Internal Revenue Service ("IRS").
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Employer makes a safe harbor matching contribution which is an amount equal to the sum of 100% of the amount of a participant’s elective deferrals that do not exceed 3% of their eligible compensation, plus 50% of the amount of a participant’s elective deferrals that exceed 3% of their eligible compensation but do not exceed 5% of their eligible compensation.
- In addition, the Employer may make a discretionary profit sharing contribution to the Plan in an amount to be determined by the Employer.
- A participant is 100% vested in their salary deferral contributions, including Roth deferrals, rollover contributions, and Employer safe harbor contributions including allocated earnings thereon at all times.
- Participants vest in Employer profit sharing contributions at a rate of 20% per year on completion of 2 years of service and become 100% vested after 6 years of 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:
| 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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