KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How KIMBERLY CLARK COMMERCIAL, INC. Supports Your Retirement Savings
KIMBERLY CLARK COMMERCIAL, INC. provides retirement savings benefits through KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION 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.
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
365,999.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,718.00 in KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION 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.
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $1,888.00 for 20 years would give you extra $120,874.00, 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.
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Contribution & Match Policy
KIMBERLY CLARK PUERTO RICO DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Elective CODA contributions – Participants’ pre-tax contributions are limited to $15,000 as established by Act.
- 1 of January 31, 2011, Section 1081.01 (d) (7) (A) (i) of the Puerto Rico Internal Revenue Code (PRIRC).
- After-tax contribution – Participants’ after-tax contributions are made on after-tax basis.
- Participants may contribute 1% to 10% of eligible earnings.
- Catch-up contributions – Participants who have attained age 50 or over may elect to make catch-up contributions up to a maximum of $1,500.
- The Employer will allocate a discretionary contribution amount to each participant account for each payroll the participant makes a contribution.
- Vesting in the Employer’s contributions plus earnings thereon is based on years of service. The participant’s contributions are vested at inception. The participant’s vesting rights to the employer’s matching contributions are summarized as follows: Vested Years of Service
- Less than 1 years: 0%
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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