HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Contribution & Employer Match

How HOUGHTON MIFFLIN HARCOURT PUBLISHING COMPANY Supports Your Retirement Savings

HOUGHTON MIFFLIN HARCOURT PUBLISHING COMPANY provides retirement savings benefits through HOUGHTON MIFFLIN 401(K) 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.

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HOUGHTON MIFFLIN 401(K) SAVINGS PLAN is $121,775.00

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HOUGHTON MIFFLIN 401(K) SAVINGS PLAN is $5,132.00. 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.
328,471.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,132.00 in HOUGHTON MIFFLIN 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HOUGHTON MIFFLIN 401(K) 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.

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, HOUGHTON MIFFLIN 401(K) SAVINGS PLAN allocates $8,031,346.00 to match its employees’ contributions, providing an employer match rate of 30.02% of their contributions

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in HOUGHTON MIFFLIN 401(K) SAVINGS PLAN is approximately $1,518.00
Investing in this additonal $1,518.00 for 20 years would give you extra $97,165.00, 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.

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants may contribute up to 50% of their eligible 401(k) compensation.

2. Employer Match/Contribution Conditions: The employer matches participant contributions at a rate of 50% of the first 6% of compensation, for a maximum match of 3% for participants regularly scheduled to work at least 21 hours per week and who have completed one year of service.

3. Vesting Schedule/Eligibility: Participants are immediately fully vested in both their contributions and Company matching contributions. Eligibility requirements include being regularly scheduled to work at least 21 hours per week and having completed one year of service for the employer match.

4. Allows Roth 401(k) contribution: Yes.

HOUGHTON MIFFLIN 401(K) SAVINGS PLAN Maximum Match Calculator

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










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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