ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Contribution & Employer Match

How ABBOTT CONSTRUCTION LLC Supports Your Retirement Savings

ABBOTT CONSTRUCTION LLC provides retirement savings benefits through ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST. 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.

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST is $103,169.00

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST is $6,693.00. 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.
428,387.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,693.00 in ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST

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.

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST allocates $1,002,766.00 to match its employees’ contributions, providing an employer match rate of 46.89% of their contributions

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST is approximately $3,114.00
Investing in this additonal $3,114.00 for 20 years would give you extra $199,307.00, 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.

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Contribution & Match Policy

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Plan Policies

ABBOTT CONSTRUCTION 401(K) PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of eligible annual compensation, as defined in the Plan, provided that such contributions do not exceed the limitations under the Internal Revenue Code (the "Code") for 2024 of $23,000, plus a maximum of $7,500 in catch-up contributions for participants who have attained age 50 before the end of the Plan year.
  • The Sponsor makes a safe harbor employer contribution of 100% of participant contributions up to the first 3% plan compensation, plus 50% of participant contributions up to the next 2% of plan compensation.
  • Beginning January 1, 2021, participants are immediately 100% vested in their own contributions, safe harbor employer contributions, employer match contributions, and employer profit-sharing contributions, plus the actual earnings thereon.
  • Prior to January 1, 2021, participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Sponsor’s contribution portion of their accounts is based on years of continuous service as follows: Years of Service Vesting Percentage Less than two years 0% Two years but less than three years 20% Three years but less than four years 40% Four years but less than five years 60% Five years but less than six years 80% Six or more years 100%

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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