FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Contribution & Employer Match

How FMRS HEALTH SYSTEMS, INC. Supports Your Retirement Savings

FMRS HEALTH SYSTEMS, INC. provides retirement savings benefits through FMRS HEALTH SYSTEMS, INC. 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.

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FMRS HEALTH SYSTEMS, INC. 401(K) PLAN is $36,359.00

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FMRS HEALTH SYSTEMS, INC. 401(K) PLAN is $1,060.00. 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.
67,894.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,060.00 in FMRS HEALTH SYSTEMS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FMRS HEALTH SYSTEMS, INC. 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.

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, FMRS HEALTH SYSTEMS, INC. 401(K) PLAN allocates $469,005.00 to match its employees’ contributions, providing an employer match rate of 164.35% of their contributions

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FMRS HEALTH SYSTEMS, INC. 401(K) PLAN is approximately $1,699.00
Investing in this additonal $1,699.00 for 20 years would give you extra $108,754.00, 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.

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Contribution & Match Policy

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Plan Policies

FMRS HEALTH SYSTEMS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to defer up to 100% of their pretax compensation up to an amount not to exceed the Internal Revenue Service (IRS) limitation on net contributions.
  • Eligible participants who have attained age 50 on or before the close of the Plan year may make catch-up contributions, subject to the limitations of the Internal Revenue Code (IRC).
  • The Company contributes to a participant’s account an amount equal to 100% of the participant’s elective contributions, subject to a limit of 3% of the participant’s total compensation.
  • The Company also makes a profit-sharing contribution of 4% of compensation for all qualifying participants.
  • Vesting in the Company’s contribution portion of participants’ accounts is based on years of credited service.
  • Participants vest 20% per year after two years of service and are 100% vested after six years.
  • In addition, upon death, disability, early, normal, or late retirement, participants become fully vested in employer 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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