{"id":885,"date":"2024-03-06T11:21:26","date_gmt":"2024-03-06T17:21:26","guid":{"rendered":"https:\/\/superiorconstructionservices.com\/?page_id=885"},"modified":"2026-01-14T18:03:03","modified_gmt":"2026-01-15T00:03:03","slug":"benefits-retirement-savings","status":"publish","type":"page","link":"https:\/\/superiorconstructionservices.com\/es\/benefits-retirement-savings\/","title":{"rendered":"\u2014 Ahorros para la jubilaci\u00f3n"},"content":{"rendered":"<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-medical\/\" target=\"_self\">\n\t\t\t\t\t\t\tM\u00e9dico\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-prescription\/\" target=\"_self\">\n\t\t\t\t\t\t\tPrescripci\u00f3n\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-dental\/\" target=\"_self\">\n\t\t\t\t\t\t\tDental\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-vision\/\" target=\"_self\">\n\t\t\t\t\t\t\tVisi\u00f3n\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-health-savings-account\/\" target=\"_self\">\n\t\t\t\t\t\t\tCuenta de Ahorros para la Salud\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-retirement-savings\/\" target=\"_self\">\n\t\t\t\t\t\t\tAhorros para la jubilaci\u00f3n\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-life\/\" target=\"_self\">\n\t\t\t\t\t\t\tVida y Accidentes por Muerte\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-resources\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tRecursos\n\t\t\t\t\t<\/a>\n\t<h2>Ahorros para la jubilaci\u00f3n<\/h2>\n<h3>Nuestro plan de ahorro para la jubilaci\u00f3n es administrado por American Funds y le ayuda a ahorrar para el futuro.<\/h3>\n<p>Consulte a continuaci\u00f3n los detalles para 2026.<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/superiorconstructionservices.com\/wp-content\/uploads\/2024\/02\/Untitled-design-16.png\" alt=\"Untitled design (16)\" itemprop=\"image\" height=\"500\" width=\"500\" title=\"Dise\u00f1o sin t\u00edtulo (16)\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<h2>Plan de participaci\u00f3n en las ganancias 401(k) superior<\/h2>\n\t<p>Ahorre para una jubilaci\u00f3n financieramente segura participando en un plan 401(k) y deje que Superior le ayude con contribuciones equivalentes d\u00f3lar por d\u00f3lar hasta el 61% de su salario base elegible. Puede comenzar, detener o modificar su contribuci\u00f3n en cualquier momento del a\u00f1o.<\/p>\n<ul>\n<li>&#8211; Make pre-tax or Roth (after-tax) contribution elections.<\/li>\n<li>&#8211; Update your beneficiary(ies)<\/li>\n<li>&#8211; See how much income you may have in retirement<\/li>\n<li>&#8211; Make changes to your investments<\/li>\n<li>&#8211; Process a rollover<\/li>\n<li>&#8211; Make separate catch-up contributions if you are 50 or older<\/li>\n<\/ul>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/superiorconstructionservices.com\/wp-content\/uploads\/2024\/02\/Screenshot-2024-02-27-at-11.06.18\u202fAM.png\" alt=\"Screenshot 2024-02-27 at 11.06.18\u202fAM\" itemprop=\"image\" height=\"742\" width=\"1570\" title=\"Captura de pantalla 2024-02-27 a las 11.06.18 AM\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t<a href=\"http:\/\/myretirement.americanfunds.com\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tVisita myretirement.americanfunds.com\n\t\t\t\t\t<\/a>\n\t<h2>C\u00f3mo inscribirse<\/h2>\n\t<h4>Elige la cantidad que deseas ahorrar<\/h4>\n<p>Elija un porcentaje de su salario para ahorrar, complete el formulario de inscripci\u00f3n al plan 401(k) y entr\u00e9guelo al departamento de Recursos Humanos.\u00a0<\/p>\n<h4>Dep\u00f3sito autom\u00e1tico de fondos<\/h4>\n<p>Restamos esa cantidad en cada per\u00edodo de pago y depositamos los fondos en su cuenta de ahorros para la jubilaci\u00f3n.<\/p>\n<h4>Obtenga una contribuci\u00f3n equivalente<\/h4>\n<p>Como queremos que sus ahorros para la jubilaci\u00f3n crezcan, igualamos su contribuci\u00f3n seg\u00fan los niveles que se indican a continuaci\u00f3n:<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/superiorconstructionservices.com\/wp-content\/uploads\/2024\/02\/Screenshot-2024-02-27-at-9.21.06\u202fAM.png\" alt=\"Screenshot 2024-02-27 at 9.21.06\u202fAM\" itemprop=\"image\" height=\"410\" width=\"610\" title=\"Captura de pantalla 2024-02-27 a las 9.21.06 AM\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<p><strong>Nivel 1:<\/strong> Superior igualar\u00e1 100% de cada d\u00f3lar que usted aporte sobre los primeros 6% de su compensaci\u00f3n elegible (sujeto a los l\u00edmites de compensaci\u00f3n del IRS). Usted adquirir\u00e1 inmediatamente el derecho a 100% de la contribuci\u00f3n del empleador. <\/p>\n<p><strong>Nivel 2:<\/strong> Superior igualar\u00e1 87.75% de cada d\u00f3lar que usted aporte sobre los primeros 6% de su compensaci\u00f3n elegible (sujeto a los l\u00edmites de compensaci\u00f3n del IRS). La contribuci\u00f3n equivalente del empleador de segundo nivel se consolida gradualmente a lo largo de seis a\u00f1os. <\/p>\n<p><strong>Nivel 3:<\/strong> Superior podr\u00e1 determinar una contribuci\u00f3n adicional equivalente de un porcentaje discrecional. La contribuci\u00f3n equivalente del empleador de tercer nivel se consolida gradualmente a lo largo de seis a\u00f1os.<\/p>\n\t<h2>C\u00f3mo invertir<\/h2>\n\t<h4>A medida que acumulas ahorros para la jubilaci\u00f3n, tienes opciones para invertir tu dinero.<\/h4>\n\t<ul>\n<li>&#8211; You can contribute up to the maximum amount allowed under IRS rules and regulations (which can change each year), plus additional catch-up contributions if you are age 50 or older.<\/li>\n<li>&#8211; You choose whether to contribute pre-tax or Roth (after-tax) or a combination of both:\n<ul>\n<li>&#8211; Pre-tax contributions lower your current taxable income<\/li>\n<li>&#8211; After-tax contributions lower your taxable income during retirement<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\t<ul>\n<li>&#8211; You can change your contributions and investments at any time.<\/li>\n<li>&#8211; You&#8217;re always 100% vested in your contributions, and you vest 100% in Superior&#8217;s matching contributions after six years of service. And if you leave Superior, you can move all of your vested savings to a qualified retirement plan (e.g. IRA, another employer&#8217;s retirement plan, etc.)<\/li>\n<\/ul>\n\t<h2>Fondos de inversi\u00f3n<\/h2>\n\t<h4>Tenemos varias opciones para invertir sus ahorros para la jubilaci\u00f3n. Para obtener m\u00e1s informaci\u00f3n sobre las opciones de inversi\u00f3n, inicie sesi\u00f3n en American Funds y seleccione Ayuda para inversiones.<\/h4>\n\t<h5>Fondos con fecha objetivo<\/h5>\n<p>\u00a1Config\u00faralo y olv\u00eddate! Los fondos de fecha objetivo ofrecen una cartera diversificada basada en la fecha prevista de jubilaci\u00f3n (normalmente a los 65 a\u00f1os). Con esta opci\u00f3n, tu combinaci\u00f3n de inversiones se va ajustando gradualmente, pasando de una estrategia m\u00e1s agresiva a una m\u00e1s conservadora a medida que te acercas a la jubilaci\u00f3n.<\/p>\n\t<h5>fondos individuales<\/h5>\n<p>Crea tu propia cartera de inversi\u00f3n que se ajuste a tu tolerancia al riesgo y a tus objetivos de inversi\u00f3n. Esta opci\u00f3n te permite elegir tu selecci\u00f3n de fondos entre una amplia variedad de fondos principales.<\/p>\n\t<h2>Recursos \u00fatiles<\/h2>\n\t<h5>\u00bfDesea inscribirse o modificar su aportaci\u00f3n? <\/h5>\n<p>Llamar a Recursos Humanos<\/p>\n\t\t\t\t<p>888-230-2240<\/p>\n\t<h5>\u00bfTienes preguntas sobre tu plan de jubilaci\u00f3n?<\/h5>\n<p>Llame a American Funds para hablar con alguien sobre sus objetivos financieros.<\/p>\n\t\t\t\t<p>877-872-5159<\/p>\n\t<h5>Acceda a los documentos de su plan de jubilaci\u00f3n.<\/h5>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/wp-content\/uploads\/2026\/01\/401k-Enrollment-Guide-English-Updated.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tGU\u00cdA DEL PLAN 401(K)\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/superiorconstructionservices.com\/wp-content\/uploads\/2026\/01\/2026-Annual-Participant-Notices-English.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tDESCRIPCI\u00d3N RESUMIDA DEL PLAN\n\t\t\t\t\t<\/a>\n\t<p><em>This site summarizes the programs and benefits available to employees and their eligible departments. Official plan documents, policies, and certificates of insurance that contain the details, conditions, maximum benefit levels, and restrictions of benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn&#8217;t a guarantee of benefits. Superior Construction Services reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Medical Prescription Dental Vision Health Savings Account Retirement Savings Life &#038; AD&#038;D Resources Retirement Savings Our retirement savings plan is administered through American Funds and helps you save for the future. See below for 2026 details. Superior 401(k) Profit Sharing Plan Save for a financially secure retirement by participating in a 401(k) plan and let [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-885","page","type-page","status-publish","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u2014 Retirement Savings &#8211; Superior Construction Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/superiorconstructionservices.com\/es\/benefits-retirement-savings\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2014 Retirement Savings &#8211; Superior Construction Services\" \/>\n<meta property=\"og:description\" content=\"Medical Prescription Dental Vision Health Savings Account Retirement Savings Life &#038; AD&#038;D Resources Retirement Savings Our retirement savings plan is administered through American Funds and helps you save for the future. 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