QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How QUESTEC CONSTRUCTORS, INC. Supports Your Retirement Savings

QUESTEC CONSTRUCTORS, INC. provides retirement savings benefits through QUESTEC 401(K) DEFINED CONTRIBUTION 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.

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN is $81,864.00

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN is $6,055.00. 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.
387,548.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,055.00 in QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in QUESTEC 401(K) DEFINED CONTRIBUTION 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.

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN allocates $2,728,209.00 to match its employees’ contributions, providing an employer match rate of 170.01% of their contributions

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $7,772.00
Investing in this additonal $7,772.00 for 20 years would give you extra $497,451.00, 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.

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

QUESTEC 401(K) DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to defer up to the maximum established by law, $23,000 for 2024, with $30,500 for employees age 50 or older.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
  • The Plan contains an automatic enrollment feature which will automatically defer 5% of each participant’s compensation upon meeting the eligibility requirements unless a greater or lesser (including zero) percentage is elected by the participant.
  • Effective January 1, 2024, the Plan will make a safe harbor non-elective contribution to the Plan in an amount equal to 7% of eligible compensation.
  • For the Plan year ended December 31, 2023, the Company made a safe harbor matching contribution to the Plan in an amount equal to 100% of the first four percent of eligible compensation and 50% of the next two percent of eligible compensation.
  • The Company may make annual discretionary profit sharing contributions in an amount to be determined at Plan year end by the employer.
  • Participants are immediately vested in their contributions, their employer safe harbor matching contributions, and their employer safe harbor nonelective contributions plus actual earnings thereon. Participants are vested in their employer discretionary profit sharing or matching contributions and any earnings thereon in accordance with the following schedule: Years of Service Vesting
  • Less than 2 years: 0%

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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