KHS USA, INC. PROFIT SHARING PLAN Contribution & Employer Match
How KHS USA, INC. Supports Your Retirement Savings
KHS USA, INC. provides retirement savings benefits through KHS USA, INC. PROFIT SHARING 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.
KHS USA, INC. PROFIT SHARING PLAN Average Participant Retirement Account Value
KHS USA, INC. PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
420,177.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,565.00 in KHS USA, INC. PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KHS USA, INC. PROFIT SHARING 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.
KHS USA, INC. PROFIT SHARING PLAN Total Employer Contribution and Match Rate
KHS USA, INC. PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $3,397.00 for 20 years would give you extra $217,440.00, 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.
KHS USA, INC. PROFIT SHARING PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 6% of their salary through pre-tax payroll deductions.
2. Employer Match/Contribution Conditions: The employer matches 67% of each participant’s pre-tax and after-tax Roth contributions not to exceed 6% of the participant’s eligible compensation.
3. Vesting Schedule/Eligibility: Participants are vested in their voluntary contributions immediately. For employer contributions, the vesting schedule is as follows: 0% for less than 2 years of service, 20% after 2 years, 40% after 3 years, 60% after 4 years, 80% after 5 years, and 100% after 6 years. Eligibility for profit-sharing contributions requires at least 1,000 hours of service during the Plan year and being employed on the last day of the Plan year.
4. Roth 401(k) contribution: Yes, the plan allows Roth (after-tax) elective deferrals.
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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