PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Contribution & Employer Match
How HINES INTERESTS LIMITED PARTNERSHIP Supports Your Retirement Savings
HINES INTERESTS LIMITED PARTNERSHIP provides retirement savings benefits through PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP. 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.
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Average Participant Retirement Account Value
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Estimated Average Employee Contribution Amount
482,632.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,541.00 in PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP
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.
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Total Employer Contribution and Match Rate
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Estimated Average Employer Match
Investing in this additonal $3,380.00 for 20 years would give you extra $216,367.00, 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.
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Contribution & Match Policy
PAY DEFERRAL AND SAVINGS PLAN OF HINES INTERESTS LIMITED PARTNERSHIP Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 65 percent of the participants’ eligible compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants may designate some of their contributions as after-tax contributions to a Roth 401(k) option.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participant in the Plan.
- Automatically enrolled participants have their deferral rate set at 6 percent of eligible compensation and their contributions invested in an appropriate Retirement Date fund until changed by the participant.
- The Plan makes matching contributions of 100 percent of the first 6 percent of each participant’s pretax or Roth contributions to the Plan during the plan year, not to exceed $7,500 for the year.
- Participants are vested immediately in their entire account balance, including their contributions, rollovers and the Company’s matching contributions to the Plan, plus actual earnings thereon.
- However, if a participant was eligible on or after January 1, 2006, and terminated before completing at least 1 year of service (unless termination of service occurs due to disability, retirement, or death), then the Company’s 2006 matching contribution portion of their accounts will not be vested until they complete the 1 year of service requirement.
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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