ALBERT KEMPERLE, INC. RETIREMENT TRUST Contribution & Employer Match
How ALBERT KEMPERLE, INC. Supports Your Retirement Savings
ALBERT KEMPERLE, INC. provides retirement savings benefits through ALBERT KEMPERLE, INC. RETIREMENT TRUST. 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.
ALBERT KEMPERLE, INC. RETIREMENT TRUST Average Participant Retirement Account Value
ALBERT KEMPERLE, INC. RETIREMENT TRUST Estimated Average Employee Contribution Amount
231,849.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,622.00 in ALBERT KEMPERLE, INC. RETIREMENT TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ALBERT KEMPERLE, INC. RETIREMENT TRUST
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.
ALBERT KEMPERLE, INC. RETIREMENT TRUST Total Employer Contribution and Match Rate
ALBERT KEMPERLE, INC. RETIREMENT TRUST Estimated Average Employer Match
Investing in this additonal $1,591.00 for 20 years would give you extra $101,869.00, 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.
ALBERT KEMPERLE, INC. RETIREMENT TRUST Contribution & Match Policy
ALBERT KEMPERLE, INC. RETIREMENT TRUST Contribution, Match and Other Plan Policies
- Upon meeting eligibility requirements participants may contribute up to 90% of their plan compensation on a pre-tax or after-tax ("Roth") basis, subject to Internal Revenue Code ("IRC") limitations.
- Participants who are at least age 50 may make an additional "catch-up" contribution subject to IRC limitations.
- For the year ended December 31, 2024, the Company contributed a matching contribution up to 4% of plan compensation to eligible participants.
- Participants are fully vested in that portion of their account which represents their contributions and the income earned thereon.
- Participants become 100% vested in the Company’s contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
- Otherwise, a participant’s interest in the Company’s contributions and earnings thereon vests according to the following schedule: Completed Years of Service Percent Vested 1 year 0% 2 years 20% 3 years 40% 4 years 60% 5 years 80% 6 years or more 100%
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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