BROOKSHIRE BROTHERS KSOP Contribution & Employer Match
How BROOKSHIRE BROTHERS, INC. Supports Your Retirement Savings
BROOKSHIRE BROTHERS, INC. provides retirement savings benefits through BROOKSHIRE BROTHERS KSOP. 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.
BROOKSHIRE BROTHERS KSOP Average Participant Retirement Account Value
BROOKSHIRE BROTHERS KSOP Estimated Average Employee Contribution Amount
32,970.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 515.00 in BROOKSHIRE BROTHERS KSOP, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BROOKSHIRE BROTHERS KSOP
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.
* 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.
BROOKSHIRE BROTHERS KSOP Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute from one to fifteen percent (1% to 15%) of their salaries to the plan.
2. Employer Match/Contribution Conditions: The discretionary ESOP matching contributions are made at $0.50 on the $1.00 up to a maximum of 6% of compensation.
3. Vesting Schedule/Eligibility: Participants become 100% vested in discretionary ESOP contributions after five years of service. The 401(k) match accounts are 100% vested after three years of service. A year of vesting service is a year in which the participant works at least 1,000 hours.
BROOKSHIRE BROTHERS KSOP Maximum Employer Match Calculator
This calculator helps participants of BROOKSHIRE BROTHERS KSOP to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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