GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Contribution & Employer Match

How GRUNLEY CONSTRUCTION, INC. Supports Your Retirement Savings

GRUNLEY CONSTRUCTION, INC. provides retirement savings benefits through GRUNLEY CONSTRUCTION, INC. 401(K) PS 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.

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN is $112,400.00

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN is $14,682.00. 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.
939,667.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,682.00 in GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GRUNLEY CONSTRUCTION, INC. 401(K) PS 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.

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Total Employer Contribution and Match Rate

In 2024, GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN allocates $1,037,239.00 to match its employees’ contributions, providing an employer match rate of 33.56% of their contributions

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN is approximately $2,463.00
Investing in this additonal $2,463.00 for 20 years would give you extra $157,680.00, 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.

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Contribution & Match Policy

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Plan Policies

GRUNLEY CONSTRUCTION, INC. 401(K) PS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to defer up to the maximum amount of pretax annual compensation as defined by the Plan, not to exceed limitations set by the Internal Revenue Code (IRC).
  • Participants who turn 50 years old before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may designate some or all of their own contributions as Roth 401(k) contributions.
  • Participants may also rollover distributions received from other qualified plans.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • Participants with automatic elective deferrals are subject to an automatic deferral increase of 1% effective October 1 of each calendar year, up to a maximum deferral of 10% of their annual compensation unless they affirmatively elect otherwise.
  • The Company contributes a stated match equal to 100% of each participant’s elective deferrals, up to 3% of the participant’s annual compensation.
  • Participants are immediately vested in their contributions, qualified nonelective, discretionary profit-sharing and employer matching contributions, and 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:

 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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