KSM BUSINESS SERVICES, INC. 401(K) PLAN Contribution & Employer Match

How KSM BUSINESS SERVICES, INC. Supports Your Retirement Savings

KSM BUSINESS SERVICES, INC. provides retirement savings benefits through KSM BUSINESS SERVICES, 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.

KSM BUSINESS SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for KSM BUSINESS SERVICES, INC. 401(K) PLAN is $158,482.00

KSM BUSINESS SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for KSM BUSINESS SERVICES, INC. 401(K) PLAN is $13,338.00. 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.
853,676.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,338.00 in KSM BUSINESS SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in KSM BUSINESS SERVICES, 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.

* 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.

KSM BUSINESS SERVICES, INC. 401(K) PLAN Contribution & Match Policy

KSM BUSINESS SERVICES, INC. 401(K) PLAN Plan Policies

KSM BUSINESS SERVICES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute a percentage of pre-tax annual compensation, as defined in the Plan document.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan also allows participants to make after-tax Roth 401(k) contributions.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated Fidelity Freedom target date fund until changed by the participant.
  • For participants who are subject to auto-enrollment, the Plan may automatically increase the contribution annually by 1% until contributions reach a maximum of 10%.
  • Employer contributions are discretionary and determined by Company management.
  • There were no Employer contributions for 2024.
  • Participants are immediately vested in their salary contributions, rollover contributions, and employer discretionary 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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