WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Contribution & Employer Match
How WHITE PLAINS HOSPITAL MEDICAL CENTER Supports Your Retirement Savings
WHITE PLAINS HOSPITAL MEDICAL CENTER provides retirement savings benefits through WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM. 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.
WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Average Participant Retirement Account Value
WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Estimated Average Employee Contribution Amount
408,322.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,380.00 in WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM
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.
WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Total Employer Contribution and Match Rate
WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Estimated Average Employer Match
Investing in this additonal $5,461.00 for 20 years would give you extra $349,510.00, 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.
WHITE PLAINS HOSPITAL CENTER 403(B) DEFINED CONTRIBUTION RETIREMENT PROGRAM Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute a portion of their annual compensation on a pre-tax or after-tax (Roth) basis up to the applicable dollar amount established annually by the IRS.
2. Employer Match/Contribution Conditions: The Hospital will make a non-elective contribution based on years of service, which is a percentage of eligible compensation, up to the annual compensation limit.
3. Vesting Schedule/Eligibility: Participants are fully vested at all times in their contributions. Full vesting in the Hospital’s non-elective contribution occurs after completing three years of service. Participants must complete one year of service to receive an Employer contribution.
4. Roth 401(k) Contribution: Yes, the plan allows for after-tax (Roth) 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:
| 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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