KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Contribution & Employer Match

How KENS FOODS, INC Supports Your Retirement Savings

KENS FOODS, INC provides retirement savings benefits through KEN’S FOODS, INC. EMPLOYEE THRIFT 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.

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN is $72,170.00

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN is $4,050.00. 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.
259,233.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,050.00 in KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KEN’S FOODS, INC. EMPLOYEE THRIFT 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.

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Total Employer Contribution and Match Rate

In 2024, KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN allocates $4,028,373.00 to match its employees’ contributions, providing an employer match rate of 64.04% of their contributions

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN is approximately $2,337.00
Investing in this additonal $2,337.00 for 20 years would give you extra $149,631.00, 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.

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Contribution & Match Policy

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Plan Policies

KEN’S FOODS, INC. EMPLOYEE THRIFT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may make voluntary contributions through salary reductions up to 100% of their eligible annual pre-tax compensation, as defined by the Plan, limited to the maximum amounts allowed under the provisions of the IRC.
  • Further, participants who are 50 years of age or older as of December 31, 2024 may contribute an additional catch up contribution.
  • Additionally, all participants are allowed to make contributions representing transfers from other qualified plans.
  • The Plan also allows participants to defer funds as a Roth 401(k) deferral.
  • These deferrals are subject to federal and state income taxes and the maximum allowable contribution is $22,500 combined between both the Roth and the pre-tax deferral.
  • The Company will make a safe harbor match of 100% of each participant’s contribution up to 5% of the participant’s eligible compensation, as defined by the plan document.
  • The Company may also make a discretionary matching contribution to participants’ accounts for plan years where the safe harbor provision is not used.
  • For the plan year ended December 31, 2024, the Company did not make a discretionary matching contribution.
  • Participants must be credited with 1,000 hours and employed on the last day of the plan year in order to share in any employer matching contributions unless employment is terminated after attaining normal retirement age or their termination is due to death or disability.
  • Participants’ voluntary contributions and earnings thereon vest immediately.
  • Safe harbor match contributions and actual earnings thereon vest immediately.
  • A participant’s vested interest for amounts derived from discretionary match contributions vest 20% per year after two years of service with full vesting after six years of service.
  • In the event of death, disability, or attainment of age 65, participants’ accounts 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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