What is BILLINGS CLINIC 403B PLAN's employer match?

In 2024, BILLINGS CLINIC 403B PLAN reported $6,682,533 in employer contributions. That is about 23.4% of reported employee contributions.

How many participants are in BILLINGS CLINIC 403B PLAN?

At the end of 2024, BILLINGS CLINIC 403B PLAN reported 5,376 plan participants.

What are BILLINGS CLINIC 403B PLAN's total assets?

At the end of 2024, BILLINGS CLINIC 403B PLAN reported total plan assets of $594,804,761.

When was BILLINGS CLINIC 403B PLAN established?

BILLINGS CLINIC 403B PLAN was established in 1993.

What are the investment options in BILLINGS CLINIC 403B PLAN?

MyPlanIQ tracks the investment lineup for BILLINGS CLINIC 403B PLAN on its investment options page: https://www.myplaniq.com/invest/planinvestments/billings-clinic-403b-plan/

BILLINGS CLINIC 403B PLAN Contribution & Employer Match

How BILLINGS CLINIC Supports Your Retirement Savings

BILLINGS CLINIC provides retirement savings benefits through BILLINGS CLINIC 403B 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.

BILLINGS CLINIC 403B PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BILLINGS CLINIC 403B PLAN is $110,640.00

BILLINGS CLINIC 403B PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BILLINGS CLINIC 403B PLAN is $5,769.00. 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.
369,268.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,769.00 in BILLINGS CLINIC 403B PLAN, assuming a 10%* annual return.

*Data from public filings (2024) 810231784-004

Employer Match in BILLINGS CLINIC 403B 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.

BILLINGS CLINIC 403B PLAN Total Employer Contribution and Match Rate

In 2024, BILLINGS CLINIC 403B PLAN allocates $6,682,533.00 to match its employees’ contributions, providing an employer match rate of 23.39% of their contributions

BILLINGS CLINIC 403B PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BILLINGS CLINIC 403B PLAN is approximately $1,243.00
Investing in this additonal $1,243.00 for 20 years would give you extra $79,553.00, assuming a 10% annual return.

*Data from public filings (2024) 810231784-004

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.

BILLINGS CLINIC 403B PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100% of eligible compensation to the plan through a salary deferral election.

2. Employer Match/Contribution Conditions: The employer contributes 50% of the first 5% of eligible compensation that a participant contributes to the Plan.

3. Vesting Schedule/Eligibility: Participants are immediately vested in all contributions, plus earnings thereon. Eligibility requirements include at least one year of service, 1,000 hours of service within the 12 consecutive months leading up to the applicable entry date, and being age 21 or older.

4. The text does not mention Roth 401(k) contributions.

BILLINGS CLINIC 403B PLAN Maximum Match Calculator

This calculator helps to decide what's the minimum contribution you have to maximize your employer match.

Bi-weekly Pay Amount ($):

Age:

Annual Contribution Limit – Under 50 ($):

Annual Contribution Limit – Age 50+ ($):

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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Money headlines from this plan

These filing-based headlines surface the numbers most likely to affect a participant decision. Verify current plan documents before acting.

Average plan assets per reported participant: $110,641
Based on the 2024 public filing. This is a plan-wide average, not a personal retirement target. Calculate a personal retirement target.
Employer contributions per reported participant: $1,243
Based on the 2024 public filing. This reported average can include match, profit sharing, or other employer contributions. Review the match and contribution details.
Employee contributions per reported participant: $5,315
Based on the 2024 public filing. Individual contribution rates vary with pay, eligibility, and participation. Model a contribution increase.