CHARLES KOMAR & SONS, INC. 401(K) PLAN Contribution & Employer Match

How CHARLES KOMAR & SONS, INC. Supports Your Retirement Savings

CHARLES KOMAR & SONS, INC. provides retirement savings benefits through CHARLES KOMAR & SONS, INC. 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.

CHARLES KOMAR & SONS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CHARLES KOMAR & SONS, INC. 401(K) PLAN is $108,904.00

CHARLES KOMAR & SONS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CHARLES KOMAR & SONS, INC. 401(K) PLAN is $5,233.00. 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.
334,914.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,233.00 in CHARLES KOMAR & SONS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CHARLES KOMAR & SONS, INC. 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.

CHARLES KOMAR & SONS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CHARLES KOMAR & SONS, INC. 401(K) PLAN allocates $2,174,163.00 to match its employees’ contributions, providing an employer match rate of 47.56% of their contributions

CHARLES KOMAR & SONS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CHARLES KOMAR & SONS, INC. 401(K) PLAN is approximately $2,459.00
Investing in this additonal $2,459.00 for 20 years would give you extra $157,405.00, 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.

CHARLES KOMAR & SONS, INC. 401(K) PLAN Contribution & Match Policy

CHARLES KOMAR & SONS, INC. 401(K) PLAN Plan Policies

CHARLES KOMAR & SONS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may defer and contribute up to a maximum of $23,000 in 2024 and $22,500 in 2023 of their annual salary.
  • The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan with a deferral rate set at 3% of eligible compensation, with a 1% auto escalation up to 5%.
  • Participants are permitted to make deferral changes on the first of the month.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make annual catch-up contributions of up to $7,500 in 2024 and 2023.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
  • For the years ended December 31, 2024 and 2023, the safe harbor contribution was equal to 100% of the first 3% of eligible compensation contributed to the Plan and 50% of the next 2% of eligible compensation contributed to the Plan.
  • Participants are immediately vested in their (a) voluntary contributions plus earnings thereon and (b) safe harbor employer matching contributions plus actual earnings 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:

 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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