HG 401(K) PLAN Contribution & Employer Match

How HANKEY INVESTMENT COMPANY LP Supports Your Retirement Savings

HANKEY INVESTMENT COMPANY LP provides retirement savings benefits through HG 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.

HG 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for HG 401(K) PLAN is $26,515.00

HG 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for HG 401(K) PLAN is $1,131.00. 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.
72,398.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,131.00 in HG 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HG 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.

HG 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, HG 401(K) PLAN allocates $3,241,773.00 to match its employees’ contributions, providing an employer match rate of 71.55% of their contributions

HG 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in HG 401(K) PLAN is approximately $792.00
Investing in this additonal $792.00 for 20 years would give you extra $50,739.00, 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.

HG 401(K) PLAN Contribution & Match Policy

HG 401(K) PLAN Plan Policies

HG 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may contribute between a minimum 2% and a maximum 25% of their annual compensation in pre-tax contributions, Roth contributions, a combination of these of these two types offered by the Plan or ESOP Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company’s matching formula is tiered based on the employee’s contribution rate as a percentage of eligible compensation as follows: For combined employee contributions between the plan and ESOP Plan up to 3%, the Company matches 100 % of the employee’s contribution, up to 3% of compensation.
  • For combined employee contributions between the plan and ESOP Plan of 3-5%, the Company matches 100% of the first 3% and 50% of the 1-2%, resulting in a total potential match of up to 4%.
  • For combined employee contributions between the plan and ESOP Plan of 5% or more, the maximum employer match remains 4% of eligible compensation.
  • Participants are immediately 100% vested in their contributions plus actual earnings thereon. The Company’s matching contributions and earnings thereon will be vested in accordance with the following schedule: Years of Service
  • Less than 2 years: 0%
  • 5+ years: 100%

HG 401(K) PLAN Maximum Employer Match Calculator

This calculator helps participants of HG 401(K) PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.

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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