HARBORONE MORTGAGE, LLC RETIREMENT PLAN Contribution & Employer Match
How HARBORONE MORTGAGE LLC Supports Your Retirement Savings
HARBORONE MORTGAGE LLC provides retirement savings benefits through HARBORONE MORTGAGE, LLC 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.
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Average Participant Retirement Account Value
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Estimated Average Employee Contribution Amount
269,326.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,208.00 in HARBORONE MORTGAGE, LLC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HARBORONE MORTGAGE, LLC 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.
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Total Employer Contribution and Match Rate
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $256.00 for 20 years would give you extra $16,436.00, 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.
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Contribution & Match Policy
HARBORONE MORTGAGE, LLC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to the lesser of 100% of their pretax annual compensation, as defined in the Plan, or the limits set by the IRS.
- The Plan allows some or all of these contributions to be designated as after-tax Roth Deferral Contributions.
- Participants who have attained the age of 50 before the end of the Plan year are eligible to make catch-up contributions.
- Unless instructed otherwise by the participant, upon becoming eligible to participate in the Plan, 5% of the participant’s eligible compensation will be contributed to the Plan subject to annual limits set by the IRS.
- This automatic deferral percentage is increased 2% per year up to a maximum of 15%, unless instructed otherwise by the participant.
- For the Plan year ended December 31, 2024, HarborOne Mortgage made a discretionary matching contribution in an amount equal to 50% of the first 4% of an employee’s contribution up to a maximum of $500.
- Vesting schedule for employer discretionary matching for employees hired on or after April 1, 2018, and for participants who transferred to the Plan from the HarborOne 401(k) Plan who were participants in the HarborOne 401(k) Plan on or after April 1, 2018: Years of Service Vested %
- Less than 2 years: 0%
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.
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