KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Contribution & Employer Match

How KYO-YA MANAGEMENT COMPANY, LTD. Supports Your Retirement Savings

KYO-YA MANAGEMENT COMPANY, LTD. provides retirement savings benefits through KYO-YA MANAGEMENT COMPANY, LTD. 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.

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN is $66,891.00

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN is $5,444.00. 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.
348,430.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,444.00 in KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KYO-YA MANAGEMENT COMPANY, LTD. 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.

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN allocates $1,346,289.00 to match its employees’ contributions, providing an employer match rate of 52.12% of their contributions

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN is approximately $1,418.00
Investing in this additonal $1,418.00 for 20 years would give you extra $90,792.00, 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.

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Contribution & Match Policy

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Plan Policies

KYO-YA MANAGEMENT COMPANY, LTD. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Contributions by employees are voluntary and shall not exceed the greater of 50% of pretax annual compensation, as defined in the Plan, or the maximum allowed as a deduction under the Internal Revenue Code of 1986, as amended ("IRC").
  • Eligible or rehired participants who do not opt out are subject to an automatic contribution arrangement, whereby said participants are automatically enrolled in the Plan at a contribution percentage of 2% of their eligible compensation, which will automatically increase by 1% annually on the first day of the plan year until their deferral rate reaches 6%.
  • Effective February 8, 2023, the Plan was amended to provide fixed employer matching contributions of 100% of the first 4%, plus 50% of the next 2% of each employee’s elective contribution.
  • Vesting schedule:
  • Less than 3 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:

 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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