LEGACY LIFECARE 403(B) PLAN Contribution & Employer Match
How CHELSEA JEWISH LIFECARE, INC. Supports Your Retirement Savings
CHELSEA JEWISH LIFECARE, INC. provides retirement savings benefits through LEGACY LIFECARE 403(B) 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.
LEGACY LIFECARE 403(B) PLAN Average Participant Retirement Account Value
LEGACY LIFECARE 403(B) PLAN Estimated Average Employee Contribution Amount
205,635.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,213.00 in LEGACY LIFECARE 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in LEGACY LIFECARE 403(B) 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.
* 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.
LEGACY LIFECARE 403(B) PLAN Contribution & Match Policy
LEGACY LIFECARE 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants who have attained age 50 before the end of the plan year, as well as participants who have worked for the Organization for at least 15 years, are eligible to make catch-up contributions.
- The Organization may, at its discretion, make matching and nonelective contributions to the Plan in any plan year in an amount determined by the Organization.
- Vesting schedule: 1 year of credited service: 25% 2 years of credited service: 50% 3 years of credited service: 75% 4 years of credited service: 100% Participants are 100% vested upon the occurrence of death, permanent disability or normal retirement age, as defined.
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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