HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Contribution & Employer Match

How HOT-LINE FREIGHT SYSTEM, INC. Supports Your Retirement Savings

HOT-LINE FREIGHT SYSTEM, INC. provides retirement savings benefits through HOT-LINE FREIGHT SYSTEM SAVINGS AND 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.

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Average Participant Retirement Account Value

In 2022, the average participant retirement account value for HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN is $15,307.00

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2022, the estimated average employee contribution amount per participant for HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN is $1,142.00. 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.
73,124.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,142.00 in HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in HOT-LINE FREIGHT SYSTEM SAVINGS AND 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.

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2022, HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN allocates $27,449.00 to match its employees’ contributions, providing an employer match rate of 13.09% of their contributions

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Estimated Average Employer Match

In 2022, the estimated average employer match for an employee in HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN is approximately $155.00
Investing in this additonal $155.00 for 20 years would give you extra $9,925.00, 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.

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute any amount of their annual wages as pre-tax or Roth contributions, subject to a maximum limit of $20,500 for the year ended December 31, 2022.

2. Employer Match/Contribution Conditions: The Company matches 25% of the first 6% that employees contribute to the plan.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their voluntary contributions plus actual earnings. For employer-matching contributions made before January 1, 2005, and after December 31, 2008, vesting is based on years of service: 20% vested after two years, an additional 20% each following year, becoming 100% vested after six years. Full vesting occurs upon attainment of age sixty-five, death, or disability while still employed.

4. Roth 401(k) Contribution: Yes, the plan allows Roth 401(k) contributions.

HOT-LINE FREIGHT SYSTEM SAVINGS AND RETIREMENT 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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