JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Contribution & Employer Match
How JAYHAWK FINE CHEMICALS CORP. Supports Your Retirement Savings
JAYHAWK FINE CHEMICALS CORP. provides retirement savings benefits through JAYHAWK FINE CHEMICALS 401(K) 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.
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Average Participant Retirement Account Value
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount
569,641.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,900.00 in JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JAYHAWK FINE CHEMICALS 401(K) 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.
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $8,371.00 for 20 years would give you extra $535,800.00, 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.
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Contribution & Match Policy
JAYHAWK FINE CHEMICALS 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each Plan year, participants may contribute up to 100% of pretax and/or after-tax eligible compensation, as defined by the Plan, up to the annual Internal Revenue Service (IRS) dollar limit.
- Participants can make designated Roth contributions.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified, defined-benefit or contribution plans.
- The Plan has an automatic deferral election feature.
- An employee who meets the eligibility requirements will be automatically enrolled as a participant with an election to contribute 6% of their compensation to the Plan unless there is a contrary election of enrollment within 90 days of the first automatic withdrawal.
- An automatically enrolled participant shall be deemed to have made an election to increase their deferral election by 1% per year on April 1, up to a maximum of 10%, unless a Plan participant elects to opt out.
- A Plan participant receives a safe harbor matching contribution equal to 100% of the first 2% of the participant’s elective deferral percentage and 50% of the next 4% of the participant’s elective deferral percentage for a total 4% safe harbor matching contribution.
- The Plan also provides for a 6% nonelective Company contribution per payroll, including catch-up contributions, for all eligible employees (Company-matching contribution).
- Participants are immediately vested in their pre-tax contributions, after-tax contributions, Roth 401(k) contributions, catch-up contributions, and rollover account plus actual earnings or losses thereon.
- Matching contributions are subject to a two-year cliff vesting upon completing two years of credited service.
- The additional 6% Company nonelective contribution is subject to a three-year cliff vesting upon completion of three years of credited service.
- Participants who spun out of the Evonik Corporation 401(k) Savings Plan are fully vested in their prior and future safe harbor matching contributions, as well as their Company-matching contribution.
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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