HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Contribution & Employer Match

How HUMAN RESOURCES UNLIMITED, INC. Supports Your Retirement Savings

HUMAN RESOURCES UNLIMITED, INC. provides retirement savings benefits through HUMAN RESOURCES UNLIMITED, INC. 401K 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.

HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HUMAN RESOURCES UNLIMITED, INC. 401K PLAN is $18,611.00

HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HUMAN RESOURCES UNLIMITED, INC. 401K PLAN is $2,680.00. 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.
171,548.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,680.00 in HUMAN RESOURCES UNLIMITED, INC. 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HUMAN RESOURCES UNLIMITED, INC. 401K 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.

HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Contribution & Match Policy

HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Plan Policies

HUMAN RESOURCES UNLIMITED, INC. 401K PLAN Contribution, Match and Other Plan Policies

  • Each employee who participates in the Plan is entitled to enter into a compensation reduction agreement with the Company.
  • The amount of reduction shall be contributed by the Company on behalf of the participant into the Plan for allocation to the participant’s account.
  • These participant elective contributions are fully vested.
  • Since 2023, the Plan also allows participants to make Roth contributions.
  • Employees are automatically enrolled at a deferral rate of 5% on the entry date coinciding with or immediately following the date such employee reaches age 18.
  • The Plan allows for a 60-day grace period prior to contributions being made for employees to change their election percentage or opt out of contributing to the Plan.
  • The employer may make matching contributions and/or discretionary profit-sharing contributions equal to a discretionary percentage, to be determined by the Company.
  • No matching or discretionary contributions were made in 2024 or 2023.
  • Vesting schedule: Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company’s matching and discretionary profit-sharing contributions account is based on number of years of service.

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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