AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Contribution & Employer Match
How AMPHASTAR PHARMACEUTICALS, INC. Supports Your Retirement Savings
AMPHASTAR PHARMACEUTICALS, INC. provides retirement savings benefits through AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING 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.
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
380,912.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,951.00 in AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING 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.
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $1,615.00 for 20 years would give you extra $103,408.00, 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.
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Contribution & Match Policy
AMPHASTAR PHARMACEUTICALS, INC. 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Eligible employees may defer up to 90% of eligible compensation through pre-tax basis contributions not to exceed the maximum amount allowed under the Internal Revenue Code ("IRC") of $23,000 and $22,500 for the years ended December 31, 2024 and 2023, respectively.
- Upon reaching the age of 50, eligible employees may make additional catch-up contributions limited to $7,500 for the years ended December 31, 2024 and 2023, as allowed by the IRC.
- Effective on June 1, 2023, the Plan was amended to allow Roth contributions.
- Effective October 1, 2019, new and rehired employees who meet the Plan’s eligibility requirements are auto-enrolled in the Plan, and those who do not elect out of this auto-enrollment feature or do not change the pre-selected contribution election are automatically assigned a contribution election of 4% of compensation (as defined in the Plan).
- Participants credited with one year and 1,000 hours of service are eligible to participate in employer matching contributions in the amount equal to 50% of the first 6% of the participant’s compensation contributed to the Plan subject to the IRC compensation limits.
- Participants are immediately vested in their voluntary contributions, rollover contributions and qualified non-elective contributions to the Plan and the earnings thereon. Participants vest in employer matching contributions and discretionary contributions and the earnings thereon based on years of service. Effective April 1, 2016, participants vest in employer matching and discretionary contributions and the earnings thereon as follows: Years of Vesting Service
- Less than 1 years: 0%
- Participants that terminated employment with the Company prior to April 1, 2016 vested in employer matching and discretionary contributions and the earnings thereon as follows: Years of Vesting Service Vested Percentage Less than 1 year 0% 1 but less than 2 years 20% 2 but less than 3 years 40% 3 but less than 4 years 70%
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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