HARBOR INDUSTRIES, INC. 401(K) PLAN Contribution & Employer Match

How HARBOR INDUSTRIES, INC. Supports Your Retirement Savings

HARBOR INDUSTRIES, INC. provides retirement savings benefits through HARBOR INDUSTRIES, INC. 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.

HARBOR INDUSTRIES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HARBOR INDUSTRIES, INC. 401(K) PLAN is $71,464.00

HARBOR INDUSTRIES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HARBOR INDUSTRIES, INC. 401(K) PLAN is $8,525.00. 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.
545,652.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,525.00 in HARBOR INDUSTRIES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HARBOR INDUSTRIES, INC. 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.

HARBOR INDUSTRIES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, HARBOR INDUSTRIES, INC. 401(K) PLAN allocates $247,450.00 to match its employees’ contributions, providing an employer match rate of 28.45% of their contributions

HARBOR INDUSTRIES, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in HARBOR INDUSTRIES, INC. 401(K) PLAN is approximately $1,212.00
Investing in this additonal $1,212.00 for 20 years would give you extra $77,631.00, 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.

HARBOR INDUSTRIES, INC. 401(K) PLAN Contribution & Match Policy

HARBOR INDUSTRIES, INC. 401(K) PLAN Plan Policies

HARBOR INDUSTRIES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of their pre-tax annual compensation, as defined in the plan document, through payroll withholdings.
  • The Plan also allows participants to make after-tax Roth contributions.
  • Participants who have attained age 50 before the end of the year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other defined benefit or defined contribution plans (rollovers).
  • The Plan includes an auto-enrollment provision whereby all newly eligible participants are automatically enrolled at a deferral rate of 6% unless they affirmatively elect not to participate.
  • The Company may elect to make discretionary matching contributions determined annually by Plan management.
  • The match for 2024 was 50% of participant contributions up to 3% of participants compensation as defined by the plan document.
  • Participants are immediately vested in their contributions (deferrals and rollovers) plus actual earnings thereon.
  • Vesting in company contributions is based on years of continuous service at a rate of 20% per year after 2 full years of credited service.
  • A participant is 100% vested after 6 years of credited service.
  • Participants also become 100% vested upon death, disability, or attainment of normal retirement age.

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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