VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Contribution & Employer Match

How VETERINARY SPECIALTY SERVICES, P.C. Supports Your Retirement Savings

VETERINARY SPECIALTY SERVICES, P.C. provides retirement savings benefits through VETERINARY SPECIALTY SERVICES, P.C. 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.

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN is $59,642.00

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN is $4,352.00. 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.
278,548.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,352.00 in VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in VETERINARY SPECIALTY SERVICES, P.C. 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.

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN allocates $503,055.00 to match its employees’ contributions, providing an employer match rate of 53.26% of their contributions

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN is approximately $2,225.00
Investing in this additonal $2,225.00 for 20 years would give you extra $142,458.00, 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.

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Contribution & Match Policy

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Plan Policies

VETERINARY SPECIALTY SERVICES, P.C. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the Plan, not to exceed certain dollar limits established by the Internal Revenue Code (IRC).
  • Participants may elect to make Roth contributions to the Plan on an after-tax basis.
  • If a participant has attained age 50 before the end of the Plan year, he or she is eligible to make catch-up contributions.
  • The maximum catch-up contribution was $7,500 in 2024.
  • The Company makes a safe harbor contribution in the amount of 3% of a participant’s compensation.
  • This Company contribution is invested at the direction of the participants.
  • In addition, a discretionary profit-sharing amount may be contributed at the option of the Company.
  • Participants are at all times 100% vested in all contributions.

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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