HNTB RETIREMENT AND SAVINGS PLAN Contribution & Employer Match

How HNTB HOLDINGS LTD. Supports Your Retirement Savings

HNTB HOLDINGS LTD. provides retirement savings benefits through HNTB RETIREMENT AND SAVINGS 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.

HNTB RETIREMENT AND SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HNTB RETIREMENT AND SAVINGS PLAN is $80,452.00

HNTB RETIREMENT AND SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HNTB RETIREMENT AND SAVINGS PLAN is $7,938.00. 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.
508,042.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,938.00 in HNTB RETIREMENT AND SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HNTB RETIREMENT AND SAVINGS 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.

* 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.

HNTB RETIREMENT AND SAVINGS PLAN Contribution & Match Policy

HNTB RETIREMENT AND SAVINGS PLAN Plan Policies

HNTB RETIREMENT AND SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 25% of their annual compensation to the Plan, subject to certain Internal Revenue Code (IRC) limitations.
  • The Plan has an automatic enrollment feature.
  • All newly eligible employees are enrolled in this Plan at a deferral rate of 4%, unless another affirmative option is made.
  • Participants may designate a portion or all of their deferrals as 401(k) contributions, Roth contributions or after-tax contributions to the Plan.
  • Participants may designate a portion or all of their catch-up deferrals as 401(k) or Roth contributions.
  • The Company matches the 401(k) and Roth deferrals up to $1,600, at a rate of 60 cents on the dollar.
  • The maximum amount of match awarded to a participant is $960.
  • Participants’ contributions are fully vested at all times.

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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