HRCA RETIREMENT PLAN Contribution & Employer Match
How HIGHLANDS RANCH COMMUNITY ASSOCIATION, INC. Supports Your Retirement Savings
HIGHLANDS RANCH COMMUNITY ASSOCIATION, INC. provides retirement savings benefits through HRCA 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.
HRCA RETIREMENT PLAN Average Participant Retirement Account Value
HRCA RETIREMENT PLAN Estimated Average Employee Contribution Amount
167,282.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,613.00 in HRCA RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HRCA 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.
HRCA RETIREMENT PLAN Total Employer Contribution and Match Rate
HRCA RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,292.00 for 20 years would give you extra $82,746.00, 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.
HRCA RETIREMENT PLAN Contribution & Match Policy
HRCA RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation and up to 50% of after-tax annual compensation, as defined in the Plan.
- Participants who are at least age 50 or will attain age 50 before the end of a calendar year are eligible to defer additional amounts ("catch-up contribution") to the Plan.
- The maximum catch-up contribution that one eligible participant can make was $7,500 in 2024.
- The Association makes a discretionary matching contribution of 100% of the first 5% of base compensation that a participant contributes to the Plan.
- Participants are vested immediately in their contributions, plus actual earnings thereon. Vesting in the Association’s contribution portion of their accounts is based on years of continuous service with at least 1,000 hours of service as set forth in the following table: Years of Service %
- Less than 1 years: 0%
- 5+ years: 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:
| 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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