Built to Thrive

Make the Most of Your 401(k) Benefits

Planning for retirement may feel far off, but the choices you make today can strengthen your financial future. One of the most valuable benefits available to you as a Krapf Group employee is your 401(k) plan—and it comes with meaningful tax advantages.

Why Your 401(k) Matters

Your 401(k) helps you build long term financial security through:

• Automatic payroll savings

• Potential investment growth

• Employer contributions

• Tax savings on every dollar you contribute

• Compound growth that helps your money grow faster over time

A Quick Note on Compound Growth

Compound growth means your savings earn returns—and then those returns also begin earning returns. Over many years, this snowball effect can significantly increase the value of your account, even if you start with small contributions. The earlier you begin, the more time your money has to grow.

Save More, Pay Less in Taxes

When you contribute to a traditional 401(k), your contributions are made before taxes, which lowers your taxable income. That means:

• You may pay less in taxes this year

• More of your money goes directly into your retirement savings

• Your savings grow tax deferred, allowing compound growth to work even harder for you

Don’t Miss the 4% Employer Match

Krapf Group matches 100% of the first 4% of your eligible compensation that you contribute. If you put in 4%, Krapf Group puts in 4% too—doubling that portion of your savings. Employees who contribute less than 4% are leaving free money on the table.

If You Haven’t Enrolled Yet

Opening your 401(k) is a simple step that can make a big difference. Even small contributions can grow significantly over time.

Getting started now helps you:

• Build strong long term financial habits

• Reduce your taxable income

• Earn the full employer match

• Benefit from compound growth

• Increase your financial confidence

Already Enrolled? Take a Moment to Review

Make sure your account is working for you by checking:

• Your current contribution percentage

• Whether you’re contributing at least 4% to receive the full match

• Your investment selections

• Your beneficiary information

• Your progress toward retirement goals

Life changes—and your savings strategy should evolve with it.

Invest in Your Future

Your 401(k) is more than a retirement account. It’s a powerful tool that supports your long term financial well being, helps you keep more of what you earn through tax advantaged savings, and allows your money to grow through compounding.

To get started or review your account, visit: Krapf Group 401(k) Information