KAIZEN AUTO GROUP 401(K) PLAN Contribution & Employer Match

How KAIZEN RESOURCES, INC. Supports Your Retirement Savings

KAIZEN RESOURCES, INC. provides retirement savings benefits through KAIZEN AUTO GROUP 401(K) 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.

KAIZEN AUTO GROUP 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KAIZEN AUTO GROUP 401(K) PLAN is $4,306.00

KAIZEN AUTO GROUP 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KAIZEN AUTO GROUP 401(K) PLAN is $3,222.00. 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.
206,254.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,222.00 in KAIZEN AUTO GROUP 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KAIZEN AUTO GROUP 401(K) 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.

* 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.

KAIZEN AUTO GROUP 401(K) PLAN Contribution & Match Policy

KAIZEN AUTO GROUP 401(K) PLAN Plan Policies

KAIZEN AUTO GROUP 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pretax annual compensation (as defined in the Plan) up to the limits defined by law.
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 4% of eligible compensation.
  • For the year ended December 31, 2024, the Company elected to forego making any discretionary matching or profit sharing contributions.
  • Vesting schedule: Years: 1 – Employer Contributions: 0% Years: 2 – Employer Contributions: 20% Years: 3 – Employer Contributions: 40% Years: 4 – Employer Contributions: 60% Years: 5 – Employer Contributions: 80% Years: 6 – Employer Contributions: 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:

 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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