EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Contribution & Employer Match
How EASTERN RADIOLOGISTS, INC. Supports Your Retirement Savings
EASTERN RADIOLOGISTS, INC. provides retirement savings benefits through EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST. 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.
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount
631,810.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,872.00 in EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST
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.
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $13,421.00 for 20 years would give you extra $858,979.00, 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.
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Contribution & Match Policy
EASTERN RADIOLOGISTS, INC. PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute compensation, as defined in the Plan document, subject to certain Internal Revenue Code (IRC) limitations.
- Participant salary deferrals may be traditional pretax or Roth after-tax compensation.
- The Company withholds an automatic deferral amount of 7% from eligible employees’ compensation, as defined in the Plan document, each payroll period as a pre-tax elective deferral unless and until the participant makes a contrary election.
- The automatic deferral amount increases annually by 1% until a maximum contribution of 10% is achieved.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- In 2024, the Company contributed 75% on the first 6.67% of compensation that a participant contributes to the Plan.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s matching and profit-sharing contribution portion of their accounts plus actual earnings thereon is based on years of continuous service.
- Participants in the Plan prior to January 1, 2015 are fully vested in the Company’s contributions.
- Participants joining the Plan beginning January 1, 2015 are vested in Company contributions at 20% after two years of credited service and an additional 20% each year thereafter.
- A participant is 100% vested after six 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:
| 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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