FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Contribution & Employer Match

How FORRESTER CONSTRUCTION COMPANY Supports Your Retirement Savings

FORRESTER CONSTRUCTION COMPANY provides retirement savings benefits through FORRESTER CONSTRUCTION COMPANY 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.

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FORRESTER CONSTRUCTION COMPANY 401(K) PLAN is $193,709.00

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FORRESTER CONSTRUCTION COMPANY 401(K) PLAN is $4,246.00. 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.
271,755.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,246.00 in FORRESTER CONSTRUCTION COMPANY 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FORRESTER CONSTRUCTION COMPANY 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.

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, FORRESTER CONSTRUCTION COMPANY 401(K) PLAN allocates $141,309.00 to match its employees’ contributions, providing an employer match rate of 23.77% of their contributions

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FORRESTER CONSTRUCTION COMPANY 401(K) PLAN is approximately $1,358.00
Investing in this additonal $1,358.00 for 20 years would give you extra $86,959.00, 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.

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Contribution & Match Policy

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Plan Policies

FORRESTER CONSTRUCTION COMPANY 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants were able to contribute up to 100% of eligible compensation to the Plan through July 31, 2024, beginning August 1, 2024 and for each subsequent plan year, the maximum allowable contribution is limited to 90% of eligible compensation, as defined in the Plan or such dollar limit established by the Internal Revenue Service.
  • Participants may designate all or a portion of their contributions to be Roth contributions.
  • 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 defined benefit or contribution plans (rollover).
  • In 2024 and 2023, the Company matched 50% of elective deferrals up to 5% of eligible compensation.
  • Participants are vested immediately in their contributions plus actual earnings or losses thereon.
  • Vesting in the Company’s matching contributions and profit sharing contribution plus actual earnings or losses thereon is based on years of credited service.
  • Effective January 1, 2023, participants become 25% vested after the completion of one year of credited service earning 25% each year thereafter until becoming fully vested after four years of credited 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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