This hypothetical illustration assumes a salary of $100,000, contribution rates of 5% and 10% with contributions made at the beginning of the month and a 6% annual effective rate of return. Also, Group 1 Automotive matches 100% of the first 5% contributed by the employees. Hypothetical results are for illustrative purposes only and are not meant to represent the past or future performance of any specific investment vehicle. Investment return and principal value will fluctuate and when redeemed the investments may be worth more or less than their original cost. Taxes are due upon withdrawal. If you take a withdrawal prior to age 59½, you may also be subject to a 10% additional federal tax.