PROJECT EMPLOYEE 401K RETIREMENT PLAN Contribution & Employer Match
How HINTON TRANSPORTATION INVESTMENTS, INC. Supports Your Retirement Savings
HINTON TRANSPORTATION INVESTMENTS, INC. provides retirement savings benefits through PROJECT EMPLOYEE 401K RETIREMENT 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.
PROJECT EMPLOYEE 401K RETIREMENT PLAN Average Participant Retirement Account Value
PROJECT EMPLOYEE 401K RETIREMENT PLAN Estimated Average Employee Contribution Amount
243,698.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,807.00 in PROJECT EMPLOYEE 401K RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PROJECT EMPLOYEE 401K RETIREMENT 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.
PROJECT EMPLOYEE 401K RETIREMENT PLAN Total Employer Contribution and Match Rate
PROJECT EMPLOYEE 401K RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,302.00 for 20 years would give you extra $83,368.00, 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.
PROJECT EMPLOYEE 401K RETIREMENT PLAN Contribution & Match Policy
PROJECT EMPLOYEE 401K RETIREMENT PLAN Contribution, Match and Other Plan Policies
- A participant generally can make voluntary salary or wage deferral contributions of up to 90% of their eligible compensation, subject to Internal Revenue Service limitations.
- Participants may also contribute rollover amounts representing distributions from other qualified plans.
- The safe harbor matching contributions in any Plan year is equal to an amount equal to 100% of the first 3% of compensation contributed to the Plan and 50% of the next 2% of compensation contributed to the Plan.
- Vesting schedule:
- Less than 1 years: 0%
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:
| 2024 | 2025 | |
|---|---|---|
| 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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