Civic Intelligence

Howard J. Sperling, MD PC

Plan context: Howard J. Sperling, MD PC 401(K) Profit Sharing Plan

EIN 22-3586411 • Galloway, NJ • 23 filings • 2 plans

182 South New York RoadGalloway, NJ 08205
Current Snapshot

Latest Year

2025

2025 Participants

15

2025 Assets

$375,731

2025 Contributions

$28,789

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$801,185$400,593$0201120182025YearValue
$375,731Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1580201120182025YearValue
15Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2025115$375,731$28,789$1,919iApproximate average salary by contribution assumption: employee only about $47,982 at 4% or $31,988 at 6%; with 50% employer match about $31,988 at 4% or $21,325 at 6%; with 100% employer match about $23,991 at 4% or $15,994 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-15$375,731$28,789$1,919iApproximate average salary by contribution assumption: employee only about $47,982 at 4% or $31,988 at 6%; with 50% employer match about $31,988 at 4% or $21,325 at 6%; with 100% employer match about $23,991 at 4% or $15,994 at 6%.
2024113$300,715$40,995$3,153iApproximate average salary by contribution assumption: employee only about $78,837 at 4% or $52,558 at 6%; with 50% employer match about $52,558 at 4% or $35,038 at 6%; with 100% employer match about $39,418 at 4% or $26,279 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-13$300,715$40,995$3,153iApproximate average salary by contribution assumption: employee only about $78,837 at 4% or $52,558 at 6%; with 50% employer match about $52,558 at 4% or $35,038 at 6%; with 100% employer match about $39,418 at 4% or $26,279 at 6%.
2023112$234,860$35,410$2,951iApproximate average salary by contribution assumption: employee only about $73,771 at 4% or $49,181 at 6%; with 50% employer match about $49,181 at 4% or $32,787 at 6%; with 100% employer match about $36,885 at 4% or $24,590 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-12$234,860$35,410$2,951iApproximate average salary by contribution assumption: employee only about $73,771 at 4% or $49,181 at 6%; with 50% employer match about $49,181 at 4% or $32,787 at 6%; with 100% employer match about $36,885 at 4% or $24,590 at 6%.
2022112$177,111$49,050$4,088iApproximate average salary by contribution assumption: employee only about $102,188 at 4% or $68,125 at 6%; with 50% employer match about $68,125 at 4% or $45,417 at 6%; with 100% employer match about $51,094 at 4% or $34,063 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-12$177,111$49,050$4,088iApproximate average salary by contribution assumption: employee only about $102,188 at 4% or $68,125 at 6%; with 50% employer match about $68,125 at 4% or $45,417 at 6%; with 100% employer match about $51,094 at 4% or $34,063 at 6%.
202119$801,185$26,399$2,933iApproximate average salary by contribution assumption: employee only about $73,331 at 4% or $48,887 at 6%; with 50% employer match about $48,887 at 4% or $32,591 at 6%; with 100% employer match about $36,665 at 4% or $24,444 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-9$801,185$26,399$2,933iApproximate average salary by contribution assumption: employee only about $73,331 at 4% or $48,887 at 6%; with 50% employer match about $48,887 at 4% or $32,591 at 6%; with 100% employer match about $36,665 at 4% or $24,444 at 6%.
2020110$702,393$25,645$2,565iApproximate average salary by contribution assumption: employee only about $64,113 at 4% or $42,742 at 6%; with 50% employer match about $42,742 at 4% or $28,494 at 6%; with 100% employer match about $32,056 at 4% or $21,371 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-10$702,393$25,645$2,565iApproximate average salary by contribution assumption: employee only about $64,113 at 4% or $42,742 at 6%; with 50% employer match about $42,742 at 4% or $28,494 at 6%; with 100% employer match about $32,056 at 4% or $21,371 at 6%.
2019110$598,012$227,673$22,767iApproximate average salary by contribution assumption: employee only about $569,183 at 4% or $379,455 at 6%; with 50% employer match about $379,455 at 4% or $252,970 at 6%; with 100% employer match about $284,591 at 4% or $189,728 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-10$598,012$227,673$22,767iApproximate average salary by contribution assumption: employee only about $569,183 at 4% or $379,455 at 6%; with 50% employer match about $379,455 at 4% or $252,970 at 6%; with 100% employer match about $284,591 at 4% or $189,728 at 6%.
201829$305,121$6,261$696iApproximate average salary by contribution assumption: employee only about $17,392 at 4% or $11,594 at 6%; with 50% employer match about $11,594 at 4% or $7,730 at 6%; with 100% employer match about $8,696 at 4% or $5,797 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-9$305,121$6,261$696iApproximate average salary by contribution assumption: employee only about $17,392 at 4% or $11,594 at 6%; with 50% employer match about $11,594 at 4% or $7,730 at 6%; with 100% employer match about $8,696 at 4% or $5,797 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-0$0$0-
201727$513,009$25,179$3,597iApproximate average salary by contribution assumption: employee only about $89,925 at 4% or $59,950 at 6%; with 50% employer match about $59,950 at 4% or $39,967 at 6%; with 100% employer match about $44,963 at 4% or $29,975 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-7$322,088$25,179$3,597iApproximate average salary by contribution assumption: employee only about $89,925 at 4% or $59,950 at 6%; with 50% employer match about $59,950 at 4% or $39,967 at 6%; with 100% employer match about $44,963 at 4% or $29,975 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-5$190,921$0-
201626$437,006$23,580$3,930iApproximate average salary by contribution assumption: employee only about $98,250 at 4% or $65,500 at 6%; with 50% employer match about $65,500 at 4% or $43,667 at 6%; with 100% employer match about $49,125 at 4% or $32,750 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-6$261,222$23,580$3,930iApproximate average salary by contribution assumption: employee only about $98,250 at 4% or $65,500 at 6%; with 50% employer match about $65,500 at 4% or $43,667 at 6%; with 100% employer match about $49,125 at 4% or $32,750 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-5$175,784$0-
201525$404,843$86,087$17,217iApproximate average salary by contribution assumption: employee only about $430,435 at 4% or $286,957 at 6%; with 50% employer match about $286,957 at 4% or $191,304 at 6%; with 100% employer match about $215,218 at 4% or $143,478 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-5$234,543$37,594$7,519iApproximate average salary by contribution assumption: employee only about $187,970 at 4% or $125,313 at 6%; with 50% employer match about $125,313 at 4% or $83,542 at 6%; with 100% employer match about $93,985 at 4% or $62,657 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-4$170,300$48,493$12,123iApproximate average salary by contribution assumption: employee only about $303,081 at 4% or $202,054 at 6%; with 50% employer match about $202,054 at 4% or $134,703 at 6%; with 100% employer match about $151,541 at 4% or $101,027 at 6%.
201425$330,863$71,412$14,282iApproximate average salary by contribution assumption: employee only about $357,060 at 4% or $238,040 at 6%; with 50% employer match about $238,040 at 4% or $158,693 at 6%; with 100% employer match about $178,530 at 4% or $119,020 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-5$201,418$60,479$12,096iApproximate average salary by contribution assumption: employee only about $302,395 at 4% or $201,597 at 6%; with 50% employer match about $201,597 at 4% or $134,398 at 6%; with 100% employer match about $151,198 at 4% or $100,798 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-5$129,445$10,933$2,187iApproximate average salary by contribution assumption: employee only about $54,665 at 4% or $36,443 at 6%; with 50% employer match about $36,443 at 4% or $24,296 at 6%; with 100% employer match about $27,333 at 4% or $18,222 at 6%.
201325$251,891$72,114$14,423iApproximate average salary by contribution assumption: employee only about $360,570 at 4% or $240,380 at 6%; with 50% employer match about $240,380 at 4% or $160,253 at 6%; with 100% employer match about $180,285 at 4% or $120,190 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-5$137,538$48,605$9,721iApproximate average salary by contribution assumption: employee only about $243,025 at 4% or $162,017 at 6%; with 50% employer match about $162,017 at 4% or $108,011 at 6%; with 100% employer match about $121,513 at 4% or $81,008 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-5$114,353$23,509$4,702iApproximate average salary by contribution assumption: employee only about $117,545 at 4% or $78,363 at 6%; with 50% employer match about $78,363 at 4% or $52,242 at 6%; with 100% employer match about $58,773 at 4% or $39,182 at 6%.
201223$159,300$68,164$22,721iApproximate average salary by contribution assumption: employee only about $568,033 at 4% or $378,689 at 6%; with 50% employer match about $378,689 at 4% or $252,459 at 6%; with 100% employer match about $284,017 at 4% or $189,344 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-3$79,975$43,506$14,502iApproximate average salary by contribution assumption: employee only about $362,550 at 4% or $241,700 at 6%; with 50% employer match about $241,700 at 4% or $161,133 at 6%; with 100% employer match about $181,275 at 4% or $120,850 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-3$79,325$24,658$8,219iApproximate average salary by contribution assumption: employee only about $205,483 at 4% or $136,989 at 6%; with 50% employer match about $136,989 at 4% or $91,326 at 6%; with 100% employer match about $102,742 at 4% or $68,494 at 6%.
201123$82,349$82,561$27,520iApproximate average salary by contribution assumption: employee only about $688,008 at 4% or $458,672 at 6%; with 50% employer match about $458,672 at 4% or $305,781 at 6%; with 100% employer match about $344,004 at 4% or $229,336 at 6%.
HOWARD J. SPERLING, MD, PC CASH BALANCE PENSION PLAN-3$49,312$49,370$16,457iApproximate average salary by contribution assumption: employee only about $411,417 at 4% or $274,278 at 6%; with 50% employer match about $274,278 at 4% or $182,852 at 6%; with 100% employer match about $205,708 at 4% or $137,139 at 6%.
Howard J. Sperling, MD PC 401(K) Profit Sharing Plan-3$33,037$33,191$11,064iApproximate average salary by contribution assumption: employee only about $276,592 at 4% or $184,394 at 6%; with 50% employer match about $184,394 at 4% or $122,930 at 6%; with 100% employer match about $138,296 at 4% or $92,197 at 6%.