KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Contribution & Employer Match
How KPMG LLP Supports Your Retirement Savings
KPMG LLP provides retirement savings benefits through KPMG PUERTO RICO CAPITAL ACCUMULATION 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.
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Average Participant Retirement Account Value
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Estimated Average Employee Contribution Amount
338,445.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,288.00 in KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KPMG PUERTO RICO CAPITAL ACCUMULATION 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.
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Total Employer Contribution and Match Rate
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Estimated Average Employer Match
Investing in this additonal $2,635.00 for 20 years would give you extra $168,680.00, 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.
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Contribution & Match Policy
KPMG PUERTO RICO CAPITAL ACCUMULATION PLAN Contribution, Match and Other Plan Policies
- Participants may contribute from 1% to 50% of their eligible compensation each pay period on a pre-tax basis.
- Pre-tax contributions are subject to a maximum amount permitted by the Puerto Rico Treasury Department, which is $15,000 for the calendar years ended December 31, 2024 and 2023.
- If a participant is age 50 or older, they may make additional contributions of up to $1,500 for the tax years ended 2024 and 2023.
- After-tax thrift contributions made by participants cannot exceed 10% of the total aggregate compensation of the participant.
- All eligible employees hired or rehired on or after January 1, 2022, other than interns hired on or after January 1, 2024, are automatically enrolled in the savings feature of the Plan with a pre-tax contribution election of 5% of eligible compensation with automatic increases of 1% each November 1 to a maximum 8% pre-tax contribution rate.
- The Firm’s matching contribution was eliminated after the 2021 plan year.
- Beginning with the 2022 plan year, the Firm makes nonelective contributions to the accounts of eligible participants, generally based on age and years of service.
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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