Civic Intelligence

Michaud, Rowe and Ruscak

Plan context: Michaud, Rowe and Ruscak Insurance Associates Inc 401K

EIN 04-2391572 • North Andover, MA • 17 filings • 2 plans

43 High St Ste 220 PO Box 188North Andover, MA 01845
Current Snapshot

Latest Year

2022

2022 Participants

7

2022 Assets

$3,447,177

2022 Contributions

$57,493

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$3,447,177$1,723,589$0200620142021YearValue
$3,447,177Latest year 2021

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

840200620142021YearValue
7Latest year 2021

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202210$0$57,493-
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-0$0$57,493-
202117$3,447,177$73,939$10,563iApproximate average salary by contribution assumption: employee only about $264,068 at 4% or $176,045 at 6%; with 50% employer match about $176,045 at 4% or $117,363 at 6%; with 100% employer match about $132,034 at 4% or $88,023 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$3,447,177$73,939$10,563iApproximate average salary by contribution assumption: employee only about $264,068 at 4% or $176,045 at 6%; with 50% employer match about $176,045 at 4% or $117,363 at 6%; with 100% employer match about $132,034 at 4% or $88,023 at 6%.
202017$2,973,047$71,296$10,185iApproximate average salary by contribution assumption: employee only about $254,629 at 4% or $169,752 at 6%; with 50% employer match about $169,752 at 4% or $113,168 at 6%; with 100% employer match about $127,314 at 4% or $84,876 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$2,973,047$71,296$10,185iApproximate average salary by contribution assumption: employee only about $254,629 at 4% or $169,752 at 6%; with 50% employer match about $169,752 at 4% or $113,168 at 6%; with 100% employer match about $127,314 at 4% or $84,876 at 6%.
201917$2,540,922$75,315$10,759iApproximate average salary by contribution assumption: employee only about $268,982 at 4% or $179,321 at 6%; with 50% employer match about $179,321 at 4% or $119,548 at 6%; with 100% employer match about $134,491 at 4% or $89,661 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$2,540,922$75,315$10,759iApproximate average salary by contribution assumption: employee only about $268,982 at 4% or $179,321 at 6%; with 50% employer match about $179,321 at 4% or $119,548 at 6%; with 100% employer match about $134,491 at 4% or $89,661 at 6%.
201818$2,044,932$85,496$10,687iApproximate average salary by contribution assumption: employee only about $267,175 at 4% or $178,117 at 6%; with 50% employer match about $178,117 at 4% or $118,744 at 6%; with 100% employer match about $133,588 at 4% or $89,058 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$2,044,932$85,496$10,687iApproximate average salary by contribution assumption: employee only about $267,175 at 4% or $178,117 at 6%; with 50% employer match about $178,117 at 4% or $118,744 at 6%; with 100% employer match about $133,588 at 4% or $89,058 at 6%.
201718$2,085,463$94,276$11,785iApproximate average salary by contribution assumption: employee only about $294,613 at 4% or $196,408 at 6%; with 50% employer match about $196,408 at 4% or $130,939 at 6%; with 100% employer match about $147,306 at 4% or $98,204 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$2,085,463$94,276$11,785iApproximate average salary by contribution assumption: employee only about $294,613 at 4% or $196,408 at 6%; with 50% employer match about $196,408 at 4% or $130,939 at 6%; with 100% employer match about $147,306 at 4% or $98,204 at 6%.
201618$1,709,499$53,184$6,648iApproximate average salary by contribution assumption: employee only about $166,200 at 4% or $110,800 at 6%; with 50% employer match about $110,800 at 4% or $73,867 at 6%; with 100% employer match about $83,100 at 4% or $55,400 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$1,709,499$53,184$6,648iApproximate average salary by contribution assumption: employee only about $166,200 at 4% or $110,800 at 6%; with 50% employer match about $110,800 at 4% or $73,867 at 6%; with 100% employer match about $83,100 at 4% or $55,400 at 6%.
201517$1,557,639$68,808$9,830iApproximate average salary by contribution assumption: employee only about $245,743 at 4% or $163,829 at 6%; with 50% employer match about $163,829 at 4% or $109,219 at 6%; with 100% employer match about $122,871 at 4% or $81,914 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$1,557,639$68,808$9,830iApproximate average salary by contribution assumption: employee only about $245,743 at 4% or $163,829 at 6%; with 50% employer match about $163,829 at 4% or $109,219 at 6%; with 100% employer match about $122,871 at 4% or $81,914 at 6%.
201418$1,745,747$77,583$9,698iApproximate average salary by contribution assumption: employee only about $242,447 at 4% or $161,631 at 6%; with 50% employer match about $161,631 at 4% or $107,754 at 6%; with 100% employer match about $121,223 at 4% or $80,816 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$1,745,747$77,583$9,698iApproximate average salary by contribution assumption: employee only about $242,447 at 4% or $161,631 at 6%; with 50% employer match about $161,631 at 4% or $107,754 at 6%; with 100% employer match about $121,223 at 4% or $80,816 at 6%.
201317$1,582,389$72,718$10,388iApproximate average salary by contribution assumption: employee only about $259,707 at 4% or $173,138 at 6%; with 50% employer match about $173,138 at 4% or $115,425 at 6%; with 100% employer match about $129,854 at 4% or $86,569 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$1,582,389$72,718$10,388iApproximate average salary by contribution assumption: employee only about $259,707 at 4% or $173,138 at 6%; with 50% employer match about $173,138 at 4% or $115,425 at 6%; with 100% employer match about $129,854 at 4% or $86,569 at 6%.
201218$1,379,097$76,511$9,564iApproximate average salary by contribution assumption: employee only about $239,097 at 4% or $159,398 at 6%; with 50% employer match about $159,398 at 4% or $106,265 at 6%; with 100% employer match about $119,548 at 4% or $79,699 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$1,379,097$76,511$9,564iApproximate average salary by contribution assumption: employee only about $239,097 at 4% or $159,398 at 6%; with 50% employer match about $159,398 at 4% or $106,265 at 6%; with 100% employer match about $119,548 at 4% or $79,699 at 6%.
201118$1,170,689$74,696$9,337iApproximate average salary by contribution assumption: employee only about $233,425 at 4% or $155,617 at 6%; with 50% employer match about $155,617 at 4% or $103,744 at 6%; with 100% employer match about $116,713 at 4% or $77,808 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$1,170,689$74,696$9,337iApproximate average salary by contribution assumption: employee only about $233,425 at 4% or $155,617 at 6%; with 50% employer match about $155,617 at 4% or $103,744 at 6%; with 100% employer match about $116,713 at 4% or $77,808 at 6%.
201018$1,128,575$188,387$23,548iApproximate average salary by contribution assumption: employee only about $588,709 at 4% or $392,473 at 6%; with 50% employer match about $392,473 at 4% or $261,649 at 6%; with 100% employer match about $294,355 at 4% or $196,236 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$1,128,575$188,387$23,548iApproximate average salary by contribution assumption: employee only about $588,709 at 4% or $392,473 at 6%; with 50% employer match about $392,473 at 4% or $261,649 at 6%; with 100% employer match about $294,355 at 4% or $196,236 at 6%.
200917$840,117$74,980$10,711iApproximate average salary by contribution assumption: employee only about $267,786 at 4% or $178,524 at 6%; with 50% employer match about $178,524 at 4% or $119,016 at 6%; with 100% employer match about $133,893 at 4% or $89,262 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-7$840,117$74,980$10,711iApproximate average salary by contribution assumption: employee only about $267,786 at 4% or $178,524 at 6%; with 50% employer match about $178,524 at 4% or $119,016 at 6%; with 100% employer match about $133,893 at 4% or $89,262 at 6%.
200818$592,085$69,332$8,667iApproximate average salary by contribution assumption: employee only about $216,663 at 4% or $144,442 at 6%; with 50% employer match about $144,442 at 4% or $96,294 at 6%; with 100% employer match about $108,331 at 4% or $72,221 at 6%.
Michaud, Rowe and Ruscak Insurance Associates Inc 401K-8$592,085$69,332$8,667iApproximate average salary by contribution assumption: employee only about $216,663 at 4% or $144,442 at 6%; with 50% employer match about $144,442 at 4% or $96,294 at 6%; with 100% employer match about $108,331 at 4% or $72,221 at 6%.
200717$731,104$72,746$10,392iApproximate average salary by contribution assumption: employee only about $259,807 at 4% or $173,205 at 6%; with 50% employer match about $173,205 at 4% or $115,470 at 6%; with 100% employer match about $129,904 at 4% or $86,602 at 6%.
Michaud, Rowe and Ruscack Insurance Associates Inc 401K-7$731,104$72,746$10,392iApproximate average salary by contribution assumption: employee only about $259,807 at 4% or $173,205 at 6%; with 50% employer match about $173,205 at 4% or $115,470 at 6%; with 100% employer match about $129,904 at 4% or $86,602 at 6%.
200618$601,164$556,728$69,591iApproximate average salary by contribution assumption: employee only about $1,739,775 at 4% or $1,159,850 at 6%; with 50% employer match about $1,159,850 at 4% or $773,233 at 6%; with 100% employer match about $869,888 at 4% or $579,925 at 6%.
Michaud, Rowe and Ruscack Insurance Associates Inc 401K-8$601,164$556,728$69,591iApproximate average salary by contribution assumption: employee only about $1,739,775 at 4% or $1,159,850 at 6%; with 50% employer match about $1,159,850 at 4% or $773,233 at 6%; with 100% employer match about $869,888 at 4% or $579,925 at 6%.