HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Contribution & Employer Match

How HITACHI RAIL STS USA, INC. Supports Your Retirement Savings

HITACHI RAIL STS USA, INC. provides retirement savings benefits through HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS 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.

HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN is $1,606.00. 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.
102,847.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,606.00 in HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS 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.

HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2023, HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN allocates $1,144,883.00 to match its employees’ contributions, providing an employer match rate of 53.97% of their contributions

HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN is approximately $816.00
Investing in this additonal $816.00 for 20 years would give you extra $52,225.00, 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.

HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute from 1% to not more than 75% of their eligible compensation.

2. Employer Match/Contribution Conditions: The employer contributes 2% of the participant’s annual compensation, matches 100% of the first $250 contributed by the participant, and 50% of the remaining participant contributions, up to 6% of the participant’s annual compensation.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their voluntary and rollover contributions. Vesting in employer contributions is 25% per year starting after 2 years of service, with full vesting at 100% after 5 years of service.

4. Roth 401(k) contributions: The plan permits Roth elective deferrals.

HITACHI RAIL STS USA, INC. RETIREMENT SAVINGS PLAN Maximum Match Calculator

This calculator helps to decide what's the minimum contribution you have to maximize your employer match.










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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