NPL CONSTRUCTION CO. 401(K) PLAN Contribution & Employer Match

How CENTURI GROUP, INC. Supports Your Retirement Savings

CENTURI GROUP, INC. provides retirement savings benefits through NPL CONSTRUCTION CO. 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.

NPL CONSTRUCTION CO. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for NPL CONSTRUCTION CO. 401(K) PLAN is $14,518.00

NPL CONSTRUCTION CO. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for NPL CONSTRUCTION CO. 401(K) PLAN is $1,106.00. 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.
70,845.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,106.00 in NPL CONSTRUCTION CO. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in NPL CONSTRUCTION CO. 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.

NPL CONSTRUCTION CO. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, NPL CONSTRUCTION CO. 401(K) PLAN allocates $1,080,380.00 to match its employees’ contributions, providing an employer match rate of 64.02% of their contributions

NPL CONSTRUCTION CO. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in NPL CONSTRUCTION CO. 401(K) PLAN is approximately $912.00
Investing in this additonal $912.00 for 20 years would give you extra $58,398.00, 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.

NPL CONSTRUCTION CO. 401(K) PLAN Contribution & Match Policy

NPL CONSTRUCTION CO. 401(K) PLAN Plan Policies

NPL CONSTRUCTION CO. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute between 1% and 80% of their eligible compensation, as defined by the Plan, on a pre-tax basis, subject to certain limitations prescribed by the IRC.
  • Participants may also contribute amounts representing distributions from other qualified plans as rollover contributions.
  • After-tax (Roth) deferrals and rollover contributions are not permitted.
  • In addition, the Plan allows participants attaining the age of 50 before the end of the Plan year to make additional catch-up contributions to the Plan.
  • The Company has entered into various agreements with labor unions that require the Company to match participants’ elective deferrals on a per pay period basis at rates from $0.40 to $0.50 for each dollar deferred by the participant, up to a maximum of 4% to 8% of eligible compensation, as defined by the Plan and the union agreements.
  • In addition, the Plan allows for a per-hour employer contribution for certain labor unions, rather than matching contributions.
  • The Company contributes to the participants’ accounts $0.30 for every hour worked on a monthly basis.

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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