Key Tronic Corp 401(k): Fidelity, match 4% max
Key Tronic 401(k) Retirement Savings Plan · KTCC · CIK 719733
Fidelity Investments is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
4%
Key Tronic Corp matches 100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay, for a maximum employer match of 4% of pay.
From the Form 11-K filed December 18, 2025 ↗, covering the plan year ended June 30, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What Key Tronic puts in, and what the plan costs
What Key Tronic put into the plan, per active participant
$1,131
Key Tronic Corp put $1,131 into this plan for each of its 1,207 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Key Tronic put in less per active participant than 74% of plans with 1,000–4,999 participants in wholesale trade. The middle plan in that group of 373 reported $1,990. Wholesale trade comes from business code 423600, which Key Tronic entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much Key Tronic pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended June 30, 2025, EIN 910849125, plan 001 · DOL EFAST2 ↗
The $1,131 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Key Tronic Corp also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,980 a year at a $49,500 salary. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What Key Tronic puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company’s matching contribution is equal to 100% up to 3% of a participant’s contributed compensation and 50% up to the next 2% of a participant’s contributed compensation, for a total of 4% if a participant contributes at least 5%.”
What you contribute to collect all of it
Contribute at least 5% of your pay to collect the full match.
That is $2,475 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“All participants are immediately 100% vested in both employee and Employer contributions.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
38th percentile
$66.24 per participant in plan-paid administrative cost, cheaper than 62% of plans with 1,000–4,999 participants.
What is Key Tronic's 401(k) match formula?
Key Tronic's 401(k) employer match tops out at 4% of pay. A tiered formula pays its best rate on the first slice of pay and less on the next, which is how the rate steps down.
| Match formula | 100% (dollar-for-dollar) of the first 3% of pay |
|---|---|
| then | 50% of the next 2% of pay |
| Maximum employer match | 4% of compensation |
| Conditions | The full 4% match applies once a participant contributes at least 5% of compensation. |
At a $60,000 salary, contributing 5% ($3,000) earns the full employer match of $2,400 for the year.
What the filing says, word for word
“The Company’s matching contribution is equal to 100% up to 3% of a participant’s contributed compensation and 50% up to the next 2% of a participant’s contributed compensation, for a total of 4% if a participant contributes at least 5%.”
Source: Form 11-K filed December 18, 2025, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Key Tronic's 401(k) vesting schedule?
Key Tronic vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
Vesting, word for word
“All participants are immediately 100% vested in both employee and Employer contributions.”
Source: Form 11-K filed December 18, 2025, SEC EDGAR · SEC ↗
Who can join Key Tronic's 401(k), and is enrollment automatic?
Key Tronic's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Employees that are U.S. residents are eligible to participate in the Plan when they have attained age 21, and may enter the Plan on the first day of the month coinciding with or following the date the employee satisfies the eligibility requirements. |
|---|---|
| Excluded groups | Leased employees, nonresident aliens and certain employees covered by a collective bargaining agreement are ineligible for Plan participation. |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Employees that are U.S. residents are eligible to participate in the Plan when they have attained age 21, and may enter the Plan on the first day of the month coinciding with or following the date the employee satisfies the eligibility requirements. Leased employees, nonresident aliens and certain employees covered by a collective bargaining agreement are ineligible for Plan participation.”
Source: Form 11-K filed December 18, 2025, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the Key Tronic plan report on Form 5500?
The Key Tronic plan reported $51.2M in assets and 1,225 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | Key Tronic 401(k) Retirement Savings Plan |
|---|---|
| Total plan assets | $51,225,874 |
| Participants | 1,225 |
| Plan-paid admin cost per participant | $66.24 |
How that cost compares
This plan pays $66.24 per participant. The median across plans in wholesale trade is $149.72, from the 3,304 of 3,490 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Key Tronic 401(k) Retirement Savings Plan, which has no page of its own here.
How does Key Tronic's 401(k) match compare?
Key Tronic Corp's maximum 401(k) match of 4% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in wholesale trade, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in wholesale trade.
Maximum match 4.5% of pay. Also in wholesale trade.
Maximum match 4% of pay. Also in wholesale trade.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Vests immediately too, like Key Tronic.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed December 18, 2025, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is Key Tronic Corp's 401(k) match?
Key Tronic Corp matches 100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay, for a maximum employer match of 4% of compensation (plan year ended June 30, 2025).
When does the Key Tronic Corp 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Key Tronic Corp's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for Key Tronic Corp's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for Key Tronic 401(k) Retirement Savings Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that Key Tronic Corp filed with the US Securities and Exchange Commission for the plan year ended June 30, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | Key Tronic Corp |
| SEC CIK | 719733 |
| Accession number | 0000719733-25-000109 |
| Plan | Key Tronic 401(k) Retirement Savings Plan |
| Period of report | June 30, 2025 |
| Filed | December 18, 2025 |
401(k) Monitor is not affiliated with Key Tronic Corp, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “Key Tronic Corp 401(k) plan facts”, from SEC Form 11-K accession 0000719733-25-000109, plan year ended June 30, 2025.
