Department of Labor filing
Spot something wrong?KEMPER HOLDINGS, LLC
KEMPER HOLDINGS, LLC 401(K) PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received Jul 24, 2026Verified current terms Not available
Plan summary
The numbers that matter first
73Strong plan health
high confidence
high confidence
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
r matching contribution of 100 % of the first 4 % of compensation contributed and 50 % of the next 2 % of compensation contributed each pay period by the participant (“Safe Harbor Matching Contributions”).
Extracted from an official plan filing; editorial verification is pending.
The official filing does not state the current vesting schedule.
Plan-paid administrative cost per participant; fund and employee fees may be separate.
The public filing does not provide a current, complete fund menu.
after December 31, 19 h of employment
The selected official filing does not establish a current default rate.
er contributions from tax-qualified plans. Participant contributions, including rollover contributions, and earnings thereon are 100 % vested. The Plan allows participants to make Roth contributions. Roth contributions allow participants to make after-tax contributions to the Plan through payroll deductions. Pursuant to the safe harbor matching provisions under Section 401(k)(12) of the Code, Kemper provides a safe harbor matching contribution of 100 % of the first 4 % of compensation contributed and 50 % of the next 2 % of compensation contributed each pay period by the participant (“Safe Harbor Matching Contributions”). Participants are immediately 100 % vested in Safe Harbor Matching Contributions. Effective April 3, 2023, the Plan was amended in accordance with the Setting Every Commun
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0% · loans 0.0% of assets
How the score works →What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Current match, vesting, eligibility, investments, and employee-paid fees still require a current plan document.
Filing comparison · 202574out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions98th percentileTypical peer $1,314 · based on 6,187 comparable plans
Lower reported administrative expense19th percentileTypical peer $64 · based on 6,019 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 HOLDINGS, LLC reported $59,400 in employer contributions across this plan, or $14,850 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
What this public record cannot answer
For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $59,400 $14,850 per active participant
- Participant contributions
- $59,400
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 50.0%
- Active participants
- 4 Small plan
- Total participants
- 4 4 at the beginning of the year
- Ending assets
- $299,158 $74,790 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $144,100
- Ending net assets
- $299,158
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $156,476
- Total expenses
- $1,418
- Administrative expenses
- $1,418 $355 per active participant
- Participant loans
- $0 0.0% of plan assets
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.
2025
$14,850
2025
$355
2025
4
2025
$299,158
2025
0.0%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $14,850 | 4 | 299.2K |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 0.0%
- 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
- 472973893-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2023
- Industry
- Transportation and warehousing
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2A2E2F2G2J2K2S2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025KEMPER Corp — 11-K filed 2026-06-15 ↗
Official filing · details not yet checkedWhat it says about employer contributions
r matching contribution of 100 % of the first 4 % of compensation contributed and 50 % of the next 2 % of compensation contributed each pay period by the participant (“Safe Harbor Matching Contributions”). Participants are immediately 100 % vested in Safe Harbor Matching Contributions. Effective April 3, 2023, the Plan was amended in accordance with the Setting Every Community Up for Retirement Enhancement Act 2.0 (the “SECURE 2.0 Act”) to change the required beginning date to the April 1 following the calendar year in which the participant retires or attains the Required Retirement Age, whichever is later. The Required Retirement Age has been increased to age 72 for participants born after June 30, 1949 and prior to January 1, 1951 and to age 73 for participants born after December 31, 19
What it says about automatic enrollment
h of employment. They are enrolled into pre-tax contributions at 6 % of their compensation. All participants are subject to a provision permitting all such employees to opt out of automatic enrollment. Subject to Internal Revenue Code (the “Code”) limitations, participants are allowed to defer and contribute between 1 % and 60 % of their compensation to the Plan. Employees are also permitted to make rollover contributions from tax-qualified plans. Participant contributions, including rollover contributions, and earnings thereon are 100 % vested. The Plan allows participants to make Roth contributions. Roth contributions allow participants to make after-tax contributions to the Plan through payroll deductions. Pursuant to the safe harbor matching provisions under Section 401(k)(12) of the C
What it says about fees
ed and are not separately identified. Consequently, these management fees and operating expenses are recognized as reductions of investment returns for such investments. All other administrative expenses of the Plan related to active participants are paid by the Plan Administrator. All other administrative expenses related to terminated participants are charged directly to the participant’s account. Benefits provided to participants are recorded when paid. There were no benefit account balances for participants who have elected to withdraw from the Plan, but have not yet been paid at December 31, 2025 and 2024, respectively. Risks and Uncertainties The Plan invests in various investments. Investments are exposed to various risks such as interest rate, equity price and credit risks. Due to
Current plan terms
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Filing evidence
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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_ID20260724100327NAL0019006928001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗