THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Contribution & Employer Match
How HYSTER-YALE MATERIALS HANDLING, INC. Supports Your Retirement Savings
HYSTER-YALE MATERIALS HANDLING, INC. provides retirement savings benefits through THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING 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.
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Average Participant Retirement Account Value
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Estimated Average Employee Contribution Amount
769,473.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,023.00 in THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING 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.
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Total Employer Contribution and Match Rate
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $6,639.00 for 20 years would give you extra $424,948.00, 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.
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Contribution & Match Policy
THE HYSTER-YALE MATERIALS HANDLING, INC. PROFIT SHARING RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each participating employee may elect to contribute from 1% to 25% of compensation to the Plan on a before-tax basis, subject to the limitations of the Internal Revenue Code (IRC).
- For employees hired on or after January 1, 2018 the Plan provides (i) automatic enrollment of eligible employees in the Plan with a 6% pre-tax deferral (3% for new employees hired prior to January 1, 2018, but on or after July 12, 2004) and (ii) an annual 1% increase in the amount of a participant’s deferral percentage, unless, in either case the employee elects to waive these procedures.
- The Plan allows participants who have attained age 50 by the end of the Plan year to make catch-up contributions in accordance with IRC Section 414(v).
- Total employee contributions, however, may not exceed 25% of eligible compensation.
- The amount of matching contributions is equal to 50% of the participants’ first 6% of before-tax or Roth contributions, up to a maximum of 3% of the employee’s compensation.
- Participants are immediately vested in the portion of their account that is attributable to their contributions and rollover contributions.
- Employees hired prior to October 1, 2002, are fully vested at all times in their contributions, employer qualified non-elective contributions, if any, and employer-matching contributions.
- Profit sharing contributions for all employees and employer-matching contributions for those employees hired after October 1, 2002, vest at the rate of 20% per year over a five-year period.
- Participants who reach normal retirement age, die, become disabled, or die during qualified military service while employed are fully vested in their entire account.
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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