EPOCH SENIOR LIVING 401(K) PLAN Contribution & Employer Match
How EPOCH SENIOR LIVING, LLC Supports Your Retirement Savings
EPOCH SENIOR LIVING, LLC provides retirement savings benefits through EPOCH SENIOR LIVING 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.
EPOCH SENIOR LIVING 401(K) PLAN Average Participant Retirement Account Value
EPOCH SENIOR LIVING 401(K) PLAN Estimated Average Employee Contribution Amount
123,401.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,928.00 in EPOCH SENIOR LIVING 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in EPOCH SENIOR LIVING 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.
EPOCH SENIOR LIVING 401(K) PLAN Total Employer Contribution and Match Rate
EPOCH SENIOR LIVING 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $107.00 for 20 years would give you extra $6,863.00, 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.
EPOCH SENIOR LIVING 401(K) PLAN Contribution & Match Policy
EPOCH SENIOR LIVING 401(K) PLAN Contribution, Match and Other Plan Policies
- Eligible employees may contribute from 1% to 75% of their annual compensation, subject to Internal Revenue Code limitations.
- Participants who have attained age fifty before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
- The Plan also permits Roth elective deferrals.
- Roth elective deferrals shall be treated in the same manner as participant elective deferrals, except that Roth elective deferrals are not pre-tax deferrals as defined in the Code.
- The Plan includes an automatic enrollment feature.
- Individuals hired by the Company who do not affirmatively elect not to participate are automatically enrolled in the Plan and will have their compensation deferred by 3% and invested in the Qualified Default Investment Alternative fund.
- Effective September 1, 2022, these employees will also have their deferrals increased by 1% per year, not to exceed 5% of their compensation, unless the employee affirmatively elects not to increase their contributions.
- The Company may make a matching contribution equal to a discretionary percentage that is determined annually and is applied to the participant’s contribution up to a maximum of 10% of the participant’s eligible compensation.
- For the years ended December 31, 2024 and 2023, the Company elected to contribute 10% on the first 10% contributed by participants for a matching contribution not to exceed 1% of eligible compensation.
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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