CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Contribution & Employer Match

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Contribution & Employer Match

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION, INC. provides the following retirement savings benefits to its employees:

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN is $209,678.00

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN is $7,532.00. 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.
482,083.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,532.00 in CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Total Employer Contribution and Match Rate

In 2023, CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN allocates $3,943,370.00 to match its employees' contributions, providing an employer match rate of 46.53% of their contributions

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN is approximately $3,565.00
Investing in this additonal $3,565.00 for 20 years would give you extra $228,187.00, assuming a 10% annual return.

CAMBRIDGE HEALTH ALLIANCE PHYSICIANS ORGANIZATION 403B PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants may contribute up to 85% of their gross compensation.

2. Employer Match/Contribution Conditions: The employer may make a discretionary matching contribution equal to one-third of up to 6% of compensation for a maximum match of 2% of compensation. Additionally, the employer makes a non-elective contribution equal to 2% of each eligible participant’s compensation.

3. Vesting Schedule/Eligibility: Participants are immediately fully vested in their contributions and the income earned thereon. They become 100% vested in the employer’s contributions upon death, total and permanent disability, or attainment of normal retirement age. The vesting schedule for the employer's contributions is 0% vested for less than 2 years of service and 100% vested after 2 years.

4. Roth 401(k) Contribution: Effective January 1, 2023, Roth elective deferrals and Roth rollover contributions are permitted in the Plan.

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