ENERGY NORTH RETIREMENT PLAN Contribution & Employer Match
How ENERGY NORTH, INC. Supports Your Retirement Savings
ENERGY NORTH, INC. provides retirement savings benefits through ENERGY NORTH 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.
ENERGY NORTH RETIREMENT PLAN Average Participant Retirement Account Value
ENERGY NORTH RETIREMENT PLAN Estimated Average Employee Contribution Amount
171,235.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,675.00 in ENERGY NORTH RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ENERGY NORTH 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.
ENERGY NORTH RETIREMENT PLAN Total Employer Contribution and Match Rate
ENERGY NORTH RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,140.00 for 20 years would give you extra $72,981.00, 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.
ENERGY NORTH RETIREMENT PLAN Contribution & Match Policy
ENERGY NORTH RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the plan agreement, up to the maximum limits of the Internal Revenue Code ("IRC").
- Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Company makes safe harbor matching contributions equal to 100% of participants’ deferrals up to the first 3% of eligible compensation plus 50% of participants’ deferrals up to the next 2% of eligible compensation.
- Participants are vested immediately in their contributions and the Company’s contributions plus actual earnings thereon.
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.
Get Key Insights for This Plan
Join our community and get data-driven insights about ENERGY NORTH RETIREMENT PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching ENERGY NORTH RETIREMENT PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- SAMPSON-BLADEN OIL COMPANY, INC. PROFIT SHARING PLAN AND TRUST (865 participants, $18,577,957)
- THOMPSONGAS LLC 401(K) PLAN (1,340 participants, $40,254,118)
- DRIL-QUIP, INC. EMPLOYEE 401(K) RETIREMENT PLAN (1,367 participants, $40,709,909)
- TGE 401(K) PLAN (525 participants, $7,023,524)
- PARACO GAS & AFFILIATES 401(K) SAVINGS AND RETIREMENT PLAN (523 participants, $24,031,500)