FRIENDS OF THE ZOO 401K PLAN Contribution & Employer Match

How FRIENDS OF THE ZOO, INC. OF KANSAS Supports Your Retirement Savings

FRIENDS OF THE ZOO, INC. OF KANSAS provides retirement savings benefits through FRIENDS OF THE ZOO 401K 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.

FRIENDS OF THE ZOO 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FRIENDS OF THE ZOO 401K PLAN is $41,021.00

FRIENDS OF THE ZOO 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FRIENDS OF THE ZOO 401K PLAN is $6,226.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
398,480.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,226.00 in FRIENDS OF THE ZOO 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FRIENDS OF THE ZOO 401K 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.

FRIENDS OF THE ZOO 401K PLAN Total Employer Contribution and Match Rate

In 2024, FRIENDS OF THE ZOO 401K PLAN allocates $440,588.00 to match its employees’ contributions, providing an employer match rate of 53.41% of their contributions

FRIENDS OF THE ZOO 401K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FRIENDS OF THE ZOO 401K PLAN is approximately $1,662.00
Investing in this additonal $1,662.00 for 20 years would give you extra $106,406.00, 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.

FRIENDS OF THE ZOO 401K PLAN Contribution & Match Policy

FRIENDS OF THE ZOO 401K PLAN Plan Policies

FRIENDS OF THE ZOO 401K PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute any amount of their annual compensation subject to certain Internal Revenue Code (IRC) limitations.
  • Participants over age 50 are permitted to make catch-up contributions, as defined in the Plan.
  • All eligible employees will be automatically enrolled in the Plan at a rate of 3% unless they decline to participate or designate another amount.
  • Effective February 1, 2022, the Plan has been amended to include an automatic increase for those participants who were auto enrolled into the Plan.
  • A participant’s deferral percentage will be automatically increased by 1% each February 1st, up to a maximum deferral percentage of 5%.
  • The Zoo match is a safe-harbor match contribution of 100% of each participant’s salary reduction contributions up to 3% of compensation, and 50% of such participant’s salary reduction contribution exceeding 3% up to 5% of compensation.
  • Additionally, the Zoo can make a discretionary matching contribution.
  • No such discretionary matching contribution was made in 2024.
  • Participants’ contributions and the Zoo’s safe-harbor match contribution are fully vested at all times.
  • The Zoo’s prior matching contributions vest in 50% increments, with 50% vested after the second year and 100% vested after three years of service.
  • In order to be credited with one year of service, a participant must work a minimum of 1,000 hours.
  • In the event of permanent disability, death, reaching normal retirement age, or termination of the Plan, the Zoo’s contributions will become fully vested.

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:

 20242025
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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