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

How HME, INC. Supports Your Retirement Savings

HME, INC. provides retirement savings benefits through HME, 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.

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

In 2024, the average participant retirement account value for HME, INC. 401(K) PLAN is $43,779.00

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

In 2024, the estimated average employee contribution amount per participant for HME, INC. 401(K) PLAN is $3,683.00. 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.
235,753.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,683.00 in HME, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HME, 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.

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

In 2024, HME, INC. 401(K) PLAN allocates $1,096,664.00 to match its employees’ contributions, providing an employer match rate of 52.37% of their contributions

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

In 2024, the estimated average employer match for an employee in HME, INC. 401(K) PLAN is approximately $1,729.00
Investing in this additonal $1,729.00 for 20 years would give you extra $110,704.00, 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.

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

HME, INC. 401(K) PLAN Plan Policies

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

  • Participants can make pre-tax deferral contributions and/or post-tax Roth elective deferral contributions to the Plan.
  • Matching contributions are calculated based on elective deferral contributions and participant’s eligible compensation for the Plan year.
  • Catch-up contributions are allowed for participants aged 50 or older.
  • The Company elected to make a 100% matching contribution for any deferral amount up to 3% of eligible compensation per payroll.
  • Participant contributions plus actual earnings are 100% vested immediately.
  • Vesting in a participant’s employer contribution account is based on the years of continuous service.
  • A participant becomes fully vested regardless of the years of service, upon attainment of normal retirement age, early retirement age, upon retirement due to disability, upon death, or upon termination of the Plan.
  • Employer contributions are subject to the following vesting schedule: Years of Service Vested % 1 25% 2 50% 3 100%

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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