Department of Labor filing

Kemper Construction 401(k) plan

KEMPER CONSTRUCTION COMPANY 401K PLAN · For the plan year ended Dec 31, 2025

Legal plan sponsor: KEMPER CONSTRUCTION COMPANY

Latest public filing 2025 · received Jul 14, 2026Current benefit source Kemper Corporation 401(k) Retirement Plan — 2025 Form 11-K · dated Jun 15, 2026

Plan summary

Start with the match, vesting, and fees

Our read: The employer match is one of the plan's stronger features. You own the match immediately. The latest filing shows less employer money than most similar plans.

82Benefit score
from current terms

44Plan health
from public filings

7/7Complete current-term coverage
documented

See what drives the plan health score

Employer contributions versus peers8/10030% of the full model

Lower reported administrative cost9/10020% of the full model

Active-participant trend50/10010% of the full model

Net-asset trend50/10010% of the full model

Participant-loan burden100/10010% of the full model

Reported compliance signals100/10010% of the full model

Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

See what drives the benefit quality score

Maximum employer match85/10025% of the full model

Vesting100/10015% of the full model

Employee fee evidence45/10015% of the full model

Investment choices75/10015% of the full model

Eligibility timing100/10010% of the full model

Automatic enrollment80/10010% of the full model

Roth 401(k) access100/10010% of the full model

This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.

Employer matchUp to 5%Strong

Kemper matches 100% of the first 4% contributed and 50% of the next 2%.

Check the source ↓

Value at $100,000 of pay$5,000 a year

Assumes you contribute enough to earn the full match (6% of pay). Eligibility and annual limits can change the amount.

When the money is yoursImmediately

Safe-harbor matching contributions are immediately 100% vested.

Fees paid by employeesSee how costs are paid

Loan administration fees are charged to the applicable participant.

Investment menuTarget-date funds included

The plan offers diversified mutual funds, collective trusts, target-date funds, and the closed Kemper ESOP fund.

When you can joinRight away

Newly eligible employees are enrolled on the first day of the month after their first full month of employment.

Automatic enrollmentIncluded

Newly eligible employees, excluding agents, are automatically enrolled at a 6% pre-tax contribution rate and may opt out.

Roth 401(k)Offered

Available. Participants may make Roth contributions.

Employer money vs. similar plans8th percentile

$0 per active participant in 2025.

Plan health44/100

Participation up 0.0% · assets up 0.0% · loans 1.6% of assets

How this is calculated →See score distributions →

Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.

Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. The documents supporting the current terms are linked below.

Want the complete record?

The essentials are above. Open the filing details only if you want to go deeper.

Compare Kemper Construction with another employer →See verified benefit details ↓

Personalized estimate

What could Kemper Construction's contribution mean for you?

This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.

Eligible annual pay

Your contribution

Estimated employer money$4,250/year

Your annual contribution: $5,100
Possible maximum: $4,250
Potentially unclaimed: $0

Contributing about 6% of eligible pay captures the documented maximum under this simplified estimate.

Vesting: Safe-harbor matching contributions are immediately 100% vested.

Compare Kemper Construction with another employer →Review the source terms ↓

Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.

Filing comparison · 20259out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions8th percentileTypical peer $2,383 · based on 1,379 comparable plans

Lower reported administrative expense9th percentileTypical peer $59 · based on 1,264 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.

The short version

What employees should know

For the year ended Dec 31, 2025, KEMPER CONSTRUCTION COMPANY reported $0 in employer contributions across this plan, or $0 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating8

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeNot enough history

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison9/100

Compared with similarly sized plans in the same industry.

Money and scale

Contributions, assets, and expenses

These are plan-wide totals. They are not individual account balances.

Employer contributions: $0
Participant contributions: $23,219
Other contributions: $0
Employer share of contributions: 0.0%
Active participants: 8
Total participants: 11
Ending assets: $1,402,862
Net-asset change: Up 0.0%
Beginning net assets: $1,493,385
Ending net assets: $1,402,862
Beginning liabilities: Not reported
Ending liabilities: Not reported
Total income: $219,437
Total expenses: $309,960
Administrative expenses: $10,064
Participant loans: $21,810

Three-year filing history

How the reported figures changed

Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.

Employer money per active participant

2025

Administrative cost per participant

2025

$915

Active participants

2025

Total plan assets

2025

$1,402,862

Participant loans as a share of assets

2025

1.6%

Detailed filing history
Plan year	Employer money per active participant	Active participants	Plan assets
2025	$0	8	1.4M

Changes in plan assets are not the same as investment performance.

Plan health

Loans, late deposits, and other filing disclosures

Participant loans as a share of plan assets: 1.6%
Independent accountant’s opinion: Not stated in the filing
Late participant contributions reported: Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
Loan defaults reported: Not reported
Lease defaults reported: Not reportedOnly a small number of filings report these events.
Nonexempt transactions reported: Not reported
Public plan identifier: 450255199-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: 1
Plan effective date: Jun 1, 1998
Industry: Utilities
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2T3D

Current plan terms

What the source documents say

Each item below comes from the dated source linked in this section. Anything the source does not establish is left blank.

Employer contribution: Kemper matches 100% of the first 4% contributed and 50% of the next 2%. Contributing 6% earns a maximum match equal to 5% of eligible pay.
Eligibility: Newly eligible employees are enrolled on the first day of the month after their first full month of employment. Agents are excluded from automatic enrollment.
Vesting: Safe-harbor matching contributions are immediately 100% vested.
Investment information: The plan offers diversified mutual funds, collective trusts, target-date funds, and the closed Kemper ESOP fund. Participants can generally change investments daily.
Automatic enrollment: Newly eligible employees, excluding agents, are automatically enrolled at a 6% pre-tax contribution rate and may opt out.
Roth contributions: Available. Participants may make Roth contributions.
Participant fees: Loan administration fees are charged to the applicable participant. Fund management and operating expenses reduce investment returns. Other administrative expenses for active participants are paid by the plan administrator; terminated participants may be charged directly.

Source: Kemper Corporation 401(k) Retirement Plan — 2025 Form 11-K ↗ · dated Jun 15, 2026

Filing evidence

Open the selected public records

We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.

Filing ACK_ID20260714095209NAL0000885843001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗