CROSSFIRST BANKSHARES, INC. 401(K) PLAN Contribution & Employer Match

How CROSSFIRST BANKSHARES, INC. Supports Your Retirement Savings

CROSSFIRST BANKSHARES, INC. provides retirement savings benefits through CROSSFIRST BANKSHARES, 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.

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CROSSFIRST BANKSHARES, INC. 401(K) PLAN is $84,308.00

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CROSSFIRST BANKSHARES, INC. 401(K) PLAN is $10,377.00. 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.
664,161.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,377.00 in CROSSFIRST BANKSHARES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CROSSFIRST BANKSHARES, 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.

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, CROSSFIRST BANKSHARES, INC. 401(K) PLAN allocates $2,868,142.00 to match its employees’ contributions, providing an employer match rate of 56.93% of their contributions

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CROSSFIRST BANKSHARES, INC. 401(K) PLAN is approximately $4,945.00
Investing in this additonal $4,945.00 for 20 years would give you extra $316,484.00, 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.

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Contribution & Match Policy

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Plan Policies

CROSSFIRST BANKSHARES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees to make annual contributions through a salary deferral election of up to 100 percent of eligible compensation, subject to certain limitations.
  • Employee rollover contributions and employee Roth contributions are also permitted.
  • The Plan Document also includes an automatic deferral feature whereby a participant is treated as electing to defer six percent of eligible compensation unless the participant made an affirmative election otherwise.
  • The automatic deferral feature also provides for an annual one percent increase in the percentage deferred and is ultimately capped at 10 percent.
  • During 2024 and 2023, the Company made safe harbor matching contributions of 100 percent of employees’ salary deferrals on the first five percent of employees’ eligible compensation.
  • Participants are immediately vested in their voluntary contributions plus earnings thereon.
  • Vesting in the Company’s safe harbor matching contribution portion of their accounts plus earnings thereon is based on two years of continuous service.
  • A participant is fully vested upon two years of continuous service, with no vesting until that time.

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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