HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Contribution & Employer Match

How HARBOR RAIL SERVICES OF CA Supports Your Retirement Savings

HARBOR RAIL SERVICES OF CA provides retirement savings benefits through HARBOR RAIL SERVICES OF CA., INC. 401(K) AND 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.

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN is $13,254.00

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN is $1,360.00. 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.
87,063.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,360.00 in HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HARBOR RAIL SERVICES OF CA., INC. 401(K) AND 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.

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Total Employer Contribution and Match Rate

In 2024, HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN allocates $362,466.00 to match its employees’ contributions, providing an employer match rate of 57.36% of their contributions

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN is approximately $752.00
Investing in this additonal $752.00 for 20 years would give you extra $48,128.00, 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 RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Contribution & Match Policy

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Plan Policies

HARBOR RAIL SERVICES OF CA., INC. 401(K) AND PS PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute a percentage of pretax annual compensation not to exceed the maximum deferral limitation, as defined in the IRC.
  • 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.
  • The Sponsor matches the employee contribution up to 5% of compensation.
  • The Company may make discretionary matching contributions and discretionary profit sharing contributions in accordance with the Plan document.
  • For the year ended December 31, 2024 and 2023, the Company elected not to make any profit sharing contributions to the Plan.
  • Participants are immediately fully vested in their contributions, rollover contributions and the related net investment earnings or losses.
  • Vesting in the Company’s matching contribution, plus actual earnings thereon, is based on years of continuous service.
  • A participant is vested on a three-year schedule and is considered to be 100 percent vested after three 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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