M H WHITTIER CORPORATION SAVINGS PLAN Contribution & Employer Match

How M H WHITTIER CORPORATION Supports Your Retirement Savings

M H WHITTIER CORPORATION provides retirement savings benefits through M H WHITTIER CORPORATION 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.

M H WHITTIER CORPORATION SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for M H WHITTIER CORPORATION SAVINGS PLAN is $352,472.00

M H WHITTIER CORPORATION SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for M H WHITTIER CORPORATION SAVINGS PLAN is $11,307.00. 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.
723,657.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,307.00 in M H WHITTIER CORPORATION SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in M H WHITTIER CORPORATION 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.

M H WHITTIER CORPORATION SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, M H WHITTIER CORPORATION SAVINGS PLAN allocates $4,134,595.00 to match its employees’ contributions, providing an employer match rate of 126.75% of their contributions

M H WHITTIER CORPORATION SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in M H WHITTIER CORPORATION SAVINGS PLAN is approximately $13,467.00
Investing in this additonal $13,467.00 for 20 years would give you extra $861,935.00, 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.

M H WHITTIER CORPORATION SAVINGS PLAN Contribution & Match Policy

M H WHITTIER CORPORATION SAVINGS PLAN Plan Policies

M H WHITTIER CORPORATION SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to defer up to 6% of annual compensation, as defined in the Plan, in 1% increments.
  • In addition, any participant who has elected to contribute 6% of annual compensation may elect to designate an additional percentage up to 14% of annual compensation to be paid as contributions instead of compensation.
  • Participants may also elect to designate certain contributions that are includible in the compensation as Roth contributions.
  • Automatic enrollment deferrals start at 3% and are increased annually by 1% up to a maximum deferral percentage of 6%.
  • The maximum participant deferral limit was $23,000 for the year ended December 31, 2024.
  • Catch up contributions of $7,500 were available to participants who had attained age 50 or older by December 31, 2024, and had not exceeded the contribution limit for the Plan year.
  • The Company is required to make matching contributions on participants’ salary deferrals equal to 100% of participants’ deferrals, up to 6% of compensation, as defined in the Plan.
  • Participants are immediately vested in their voluntary contributions and the Company’s matching contributions plus actual earnings thereon.
  • Vesting in the Company discretionary contributions is based on years of continuous service.
  • A participant is 20% vested after two years, and continues to vest 20% per year thereafter.
  • A participant becomes fully vested after six years of service.
  • Notwithstanding the above, if a participant (1) attains the age of 65, (2) dies or (3) terminates employment by reason of permanent disability, the Company discretionary contribution amount becomes 100% vested without regard to years of service.

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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