KRATON SAVINGS PLAN Contribution & Employer Match
How KRATON CORPORATION Supports Your Retirement Savings
KRATON CORPORATION provides retirement savings benefits through KRATON SAVINGS 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.
KRATON SAVINGS PLAN Average Participant Retirement Account Value
KRATON SAVINGS PLAN Estimated Average Employee Contribution Amount
595,893.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,310.00 in KRATON SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KRATON SAVINGS 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.
KRATON SAVINGS PLAN Total Employer Contribution and Match Rate
KRATON SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $7,286.00 for 20 years would give you extra $466,321.00, 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.
KRATON SAVINGS PLAN Contribution & Match Policy
KRATON SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participant pre-tax, Roth, and after-tax contributions, on a combined basis, cannot exceed 80% of eligible compensation, as defined.
- Upon providing proper notice and approval, the Company shall allow participants to enter into a special salary reduction agreement to make additional deferral contributions in an amount up to 100% of their effectively available eligible compensation for certain payroll period(s), or 100% of a bonus, as designated by the Company.
- The Plan permits the Company to automatically enroll newly hired employees into the Plan at a pre-tax deferral contribution of 6% of eligible compensation unless an eligible employee affirmatively elects otherwise.
- Automatic enrollment contributions begin as soon as administratively feasible on or after 35 days following the participant’s date of hire.
- Participant contributions may not exceed the annual limitation under the Internal Revenue Code of 1986, as amended (IRC) Section 402(g) ($23,000 in 2024).
- Participants age 50 and older as of the end of the plan year are permitted to make elective catch-up deferrals in accordance with Section 414(v) of the IRC.
- Company matching contributions are made on a pay period basis, and equal a percentage of the participant’s eligible compensation as follows: Years of Credited Service Less than 5 5 or More 50% of participant contributions 100% of participant contributions that are up to a maximum of 6% that are up to a maximum of 6% of eligible compensation of eligible compensation
- Participants are at all times fully vested in their contributions, Company contributions, and the appreciation or depreciation thereon.
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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