KEROS THERAPEUTICS Contribution & Employer Match
How KEROS THERAPEUTICS Supports Your Retirement Savings
KEROS THERAPEUTICS provides retirement savings benefits through KEROS THERAPEUTICS. 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.
KEROS THERAPEUTICS Average Participant Retirement Account Value
KEROS THERAPEUTICS Estimated Average Employee Contribution Amount
2,225,544.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 34,774.00 in KEROS THERAPEUTICS, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KEROS THERAPEUTICS
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.
KEROS THERAPEUTICS Total Employer Contribution and Match Rate
KEROS THERAPEUTICS Estimated Average Employer Match
Investing in this additonal $8,229.00 for 20 years would give you extra $526,700.00, 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.
KEROS THERAPEUTICS Contribution & Match Policy
KEROS THERAPEUTICS 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 50 may make an additional "catch up" contribution subject to IRC limitations.
- The Company makes a safe harbor matching contribution equal to 100% of participant contributions of the first 4% of participants compensation.
- Vesting schedule: Completed Years of Service: Percent Vested 1 year: 0% 2 years: 20% 3 years: 40% 4 years: 60% 5 years: 80% 6+ years: 100% Participants are fully vested in that portion of their account which represents their contributions and the income earned thereon.
- Participants are immediately vested in the Company’s safe harbor matching contributions, and the income earned thereon.
- Company matching contributions made prior to January 1, 2024, are fully vested after one year of service.
- Participants become 100% vested in the Company’s non-elective contributions and earnings thereon upon death or total and permanent disability.
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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