SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Contribution & Employer Match

How SWEDISHAMERICAN HEALTH SYSTEM Supports Your Retirement Savings

SWEDISHAMERICAN HEALTH SYSTEM provides retirement savings benefits through SWEDISHAMERICAN 403(B) INCENTIVESAVER 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.

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN is $69,505.00

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN is $3,492.00. 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.
223,499.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,492.00 in SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SWEDISHAMERICAN 403(B) INCENTIVESAVER 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.

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Total Employer Contribution and Match Rate

In 2024, SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN allocates $12,654,183.00 to match its employees’ contributions, providing an employer match rate of 70.37% of their contributions

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN is approximately $2,186.00
Investing in this additonal $2,186.00 for 20 years would give you extra $139,946.00, 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.

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Contribution & Match Policy

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Plan Policies

SWEDISHAMERICAN 403(B) INCENTIVESAVER PLAN Contribution, Match and Other Plan Policies

  • Eligible employees of the Company may make voluntary tax-deferred contributions, subject to Internal Revenue Code (IRC) limitations, as defined in the Plan.
  • Participants who will attain age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Employees who have been hired or rehired and have not elected otherwise will automatically have 3% of compensation deferred.
  • The Company makes a matching contribution up to a maximum of 3% of a participant’s compensation, based on the participant’s years of service and participant contributions.
  • Additionally, the Company contributes a non-elective annual contribution amount up to a maximum of 5% of a participant’s compensation, based on the participant’s years of service and compensation provided that the participant is employed at the end of the year and has worked at least 1,000 hours.
  • Participants are immediately vested in their voluntary contributions and Company contributions, plus actual earnings thereon.

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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