CONSTRUCTION 401 K PLAN Contribution & Employer Match

How CONSTRUCTION VENTURES, INC. Supports Your Retirement Savings

CONSTRUCTION VENTURES, INC. provides retirement savings benefits through CONSTRUCTION 401 K 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.

CONSTRUCTION 401 K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CONSTRUCTION 401 K PLAN is $70,502.00

CONSTRUCTION 401 K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CONSTRUCTION 401 K PLAN is $6,934.00. 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.
443,830.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,934.00 in CONSTRUCTION 401 K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CONSTRUCTION 401 K 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.

CONSTRUCTION 401 K PLAN Total Employer Contribution and Match Rate

In 2024, CONSTRUCTION 401 K PLAN allocates $499,007.00 to match its employees’ contributions, providing an employer match rate of 113.32% of their contributions

CONSTRUCTION 401 K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CONSTRUCTION 401 K PLAN is approximately $3,929.00
Investing in this additonal $3,929.00 for 20 years would give you extra $251,468.00, 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.

CONSTRUCTION 401 K PLAN Contribution & Match Policy

CONSTRUCTION 401 K PLAN Plan Policies

CONSTRUCTION 401 K PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100% of eligible compensation, as defined in the Plan, up to the maximum dollar amount allowed by the Internal Revenue Code (IRC).
  • Participants elect to defer a specified amount or a percentage of their eligible compensation, and these elections may be changed at any time.
  • Participants elect to make pretax or Roth after-tax deferrals to the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other qualified retirement plans (rollovers).
  • The Plan has an automatic enrollment feature in which eligible employees are automatically enrolled in the Plan at a deferral rate of 3% of eligible compensation, unless the employee elects a different percentage or elects not to participate.
  • The Company makes safe harbor matching contributions equal to 100% of participant’s contributions each payroll period up to 6% of eligible compensation.
  • The Company safe harbor matching contributions totaled approximately $340,000 for the year ended December 31, 2024.
  • The Plan also allows for a service-based employer contribution, discretionary pro rata employer contribution, and prevailing wage employer contribution.
  • The Company made a service-based employer contribution of $1 per hour totaling approximately $159,000 for the year ended December 31, 2024.
  • Participants are immediately vested in their voluntary contributions, the Company’s safe harbor matching contributions, and prevailing wage employer contributions, including actual investment earnings or losses thereon.
  • Participants become vested in the Company’s service-based employer contributions and discretionary pro rata employer contributions portion of their accounts based on years of service according to the following vesting schedule.
  • Years of Vesting Service Percentage 0-1 0% 2 20% 3 40% 4 60% 5 80% 6 100% A participant is also 100% vested if employed on or after normal retirement age, as defined by the Plan, or if the participant dies or becomes permanently disabled while employed by the Company.

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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