ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Contribution & Employer Match
How ROCKFORD ANESTHESIOLOGISTS ASSOCIATED, LLC Supports Your Retirement Savings
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED, LLC provides retirement savings benefits through ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE. 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.
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Average Participant Retirement Account Value
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Estimated Average Employee Contribution Amount
568,891.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,888.00 in ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE
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.
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Total Employer Contribution and Match Rate
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Estimated Average Employer Match
Investing in this additonal $13,619.00 for 20 years would give you extra $871,670.00, 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.
ROCKFORD ANESTHESIOLOGISTS ASSOCIATED EMPLOYEE Contribution & Match Policy
1. Employee Contribution Rates: Participants may elect to contribute a percentage or dollar amount of their compensation, limited by Plan provisions, as either pre-tax or after-tax Roth contributions up to the maximum allowable by the Internal Revenue Service (IRS).
2. Employer Match/Contribution Conditions: The Company provides for a basic “safe harbor” contribution of 3% of participant compensation. The Company may also make a discretionary profit sharing contribution and discretionary qualified matching contributions, but did not make a matching contribution for the year ended December 31, 2021.
3. Vesting Schedule/Eligibility: Participants are immediately 100% vested in employee deferral contributions and the Company’s matching and basic contributions. Vesting in the Company’s profit sharing contribution is based on years of service: 0% after 1 year, 33% after 2 years, 67% after 3 years, and 100% after 4 or more years. A participant is fully vested upon reaching normal retirement age of 65, death, or permanent disability. Eligibility requires employees to be at least 21 years old and complete a 12-month service period with at least 1,000 hours worked.
4. It allows Roth 401(k) contribution.
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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