OPPORTUNITIES FOR INCLUSION, INC.
Plan context: 401(A) PROFIT-SHARING PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC.
EIN 04-2441728 • Waltham, MA • 42 filings • 18 plans
Current Snapshot
Latest Year
2025
2025 Participants
61
2025 Assets
$1,931,262
2025 Contributions
$90,056
Historical Graphs
Total Assets Over Time
Aggregate end-of-year assets by filing year, excluding zero-asset years
Participants Over Time
Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans
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 / Filing | Filings | Participants | Assets | Contributions | Contrib./Participant |
|---|---|---|---|---|---|
| 2025 | 2 | 61 | $1,931,262 | $90,056 | $1,476iApproximate average salary by contribution assumption: employee only about $36,908 at 4% or $24,605 at 6%; with 50% employer match about $24,605 at 4% or $16,404 at 6%; with 100% employer match about $18,454 at 4% or $12,303 at 6%. |
| 401(A) PROFIT-SHARING PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 61 | $984,183 | $0 | - |
| 403(B) THRIFT PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 16 | $947,079 | $90,056 | $5,629iApproximate average salary by contribution assumption: employee only about $140,713 at 4% or $93,808 at 6%; with 50% employer match about $93,808 at 4% or $62,539 at 6%; with 100% employer match about $70,356 at 4% or $46,904 at 6%. |
| 2024 | 2 | 67 | $1,830,967 | $168,557 | $2,516iApproximate average salary by contribution assumption: employee only about $62,894 at 4% or $41,930 at 6%; with 50% employer match about $41,930 at 4% or $27,953 at 6%; with 100% employer match about $31,447 at 4% or $20,965 at 6%. |
| 401(A) PROFIT-SHARING PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 67 | $1,021,179 | $3,735 | $56iApproximate average salary by contribution assumption: employee only about $1,394 at 4% or $929 at 6%; with 50% employer match about $929 at 4% or $619 at 6%; with 100% employer match about $697 at 4% or $465 at 6%. |
| 403(B) THRIFT PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 20 | $809,788 | $164,822 | $8,241iApproximate average salary by contribution assumption: employee only about $206,028 at 4% or $137,352 at 6%; with 50% employer match about $137,352 at 4% or $91,568 at 6%; with 100% employer match about $103,014 at 4% or $68,676 at 6%. |
| 2023 | 2 | 67 | $1,461,192 | $89,873 | $1,341iApproximate average salary by contribution assumption: employee only about $33,535 at 4% or $22,356 at 6%; with 50% employer match about $22,356 at 4% or $14,904 at 6%; with 100% employer match about $16,767 at 4% or $11,178 at 6%. |
| 401(A) PROFIT-SHARING PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 67 | $871,492 | $45,610 | $681iApproximate average salary by contribution assumption: employee only about $17,019 at 4% or $11,346 at 6%; with 50% employer match about $11,346 at 4% or $7,564 at 6%; with 100% employer match about $8,509 at 4% or $5,673 at 6%. |
| OPPORTUNITIES FOR INCLUSION, INC. | - | 20 | $589,700 | $44,263 | $2,213iApproximate average salary by contribution assumption: employee only about $55,329 at 4% or $36,886 at 6%; with 50% employer match about $36,886 at 4% or $24,591 at 6%; with 100% employer match about $27,664 at 4% or $18,443 at 6%. |
| 2022 | 2 | 61 | $1,214,866 | $112,278 | $1,841iApproximate average salary by contribution assumption: employee only about $46,016 at 4% or $30,677 at 6%; with 50% employer match about $30,677 at 4% or $20,451 at 6%; with 100% employer match about $23,008 at 4% or $15,339 at 6%. |
| 401(A) PROFIT-SHARING PLAN FOR EMPLOYEES OF OPPORTUNITIES FOR INCLUSION, INC. | - | 61 | $700,868 | $35,714 | $585iApproximate average salary by contribution assumption: employee only about $14,637 at 4% or $9,758 at 6%; with 50% employer match about $9,758 at 4% or $6,505 at 6%; with 100% employer match about $7,318 at 4% or $4,879 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 18 | $513,998 | $76,564 | $4,254iApproximate average salary by contribution assumption: employee only about $106,339 at 4% or $70,893 at 6%; with 50% employer match about $70,893 at 4% or $47,262 at 6%; with 100% employer match about $53,169 at 4% or $35,446 at 6%. |
| 2021 | 2 | 62 | $1,316,151 | $77,454 | $1,249iApproximate average salary by contribution assumption: employee only about $31,231 at 4% or $20,821 at 6%; with 50% employer match about $20,821 at 4% or $13,881 at 6%; with 100% employer match about $15,616 at 4% or $10,410 at 6%. |
| 401(A) THRIFT PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 62 | $839,556 | $35,706 | $576iApproximate average salary by contribution assumption: employee only about $14,398 at 4% or $9,598 at 6%; with 50% employer match about $9,598 at 4% or $6,399 at 6%; with 100% employer match about $7,199 at 4% or $4,799 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 15 | $476,595 | $41,748 | $2,783iApproximate average salary by contribution assumption: employee only about $69,580 at 4% or $46,387 at 6%; with 50% employer match about $46,387 at 4% or $30,924 at 6%; with 100% employer match about $34,790 at 4% or $23,193 at 6%. |
| 2020 | 2 | 61 | $1,095,951 | $68,226 | $1,118iApproximate average salary by contribution assumption: employee only about $27,961 at 4% or $18,641 at 6%; with 50% employer match about $18,641 at 4% or $12,427 at 6%; with 100% employer match about $13,981 at 4% or $9,320 at 6%. |
| 401(A) THRIFT PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 61 | $698,659 | $32,940 | $540iApproximate average salary by contribution assumption: employee only about $13,500 at 4% or $9,000 at 6%; with 50% employer match about $9,000 at 4% or $6,000 at 6%; with 100% employer match about $6,750 at 4% or $4,500 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 15 | $397,292 | $35,286 | $2,352iApproximate average salary by contribution assumption: employee only about $58,810 at 4% or $39,207 at 6%; with 50% employer match about $39,207 at 4% or $26,138 at 6%; with 100% employer match about $29,405 at 4% or $19,603 at 6%. |
| 2019 | 2 | 55 | $902,622 | $73,892 | $1,343iApproximate average salary by contribution assumption: employee only about $33,587 at 4% or $22,392 at 6%; with 50% employer match about $22,392 at 4% or $14,928 at 6%; with 100% employer match about $16,794 at 4% or $11,196 at 6%. |
| 401(A) THRIFT PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 55 | $569,660 | $40,216 | $731iApproximate average salary by contribution assumption: employee only about $18,280 at 4% or $12,187 at 6%; with 50% employer match about $12,187 at 4% or $8,124 at 6%; with 100% employer match about $9,140 at 4% or $6,093 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF OPPORTUNITIES FOR INCLUSION, INC. | - | 16 | $332,962 | $33,676 | $2,105iApproximate average salary by contribution assumption: employee only about $52,619 at 4% or $35,079 at 6%; with 50% employer match about $35,079 at 4% or $23,386 at 6%; with 100% employer match about $26,309 at 4% or $17,540 at 6%. |
| 2018 | 2 | 57 | $815,234 | $79,828 | $1,400iApproximate average salary by contribution assumption: employee only about $35,012 at 4% or $23,342 at 6%; with 50% employer match about $23,342 at 4% or $15,561 at 6%; with 100% employer match about $17,506 at 4% or $11,671 at 6%. |
| 401(A) THRIFT PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 57 | $523,261 | $23,422 | $411iApproximate average salary by contribution assumption: employee only about $10,273 at 4% or $6,849 at 6%; with 50% employer match about $6,849 at 4% or $4,566 at 6%; with 100% employer match about $5,136 at 4% or $3,424 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 18 | $291,973 | $56,406 | $3,134iApproximate average salary by contribution assumption: employee only about $78,342 at 4% or $52,228 at 6%; with 50% employer match about $52,228 at 4% or $34,819 at 6%; with 100% employer match about $39,171 at 4% or $26,114 at 6%. |
| 2017 | 2 | 57 | $988,106 | $94,253 | $1,654iApproximate average salary by contribution assumption: employee only about $41,339 at 4% or $27,559 at 6%; with 50% employer match about $27,559 at 4% or $18,373 at 6%; with 100% employer match about $20,670 at 4% or $13,780 at 6%. |
| 401(A) THRIFT PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 57 | $561,201 | $41,048 | $720iApproximate average salary by contribution assumption: employee only about $18,004 at 4% or $12,002 at 6%; with 50% employer match about $12,002 at 4% or $8,002 at 6%; with 100% employer match about $9,002 at 4% or $6,001 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 15 | $426,905 | $53,205 | $3,547iApproximate average salary by contribution assumption: employee only about $88,675 at 4% or $59,117 at 6%; with 50% employer match about $59,117 at 4% or $39,411 at 6%; with 100% employer match about $44,338 at 4% or $29,558 at 6%. |
| 2016 | 2 | 50 | $814,012 | $92,842 | $1,857iApproximate average salary by contribution assumption: employee only about $46,421 at 4% or $30,947 at 6%; with 50% employer match about $30,947 at 4% or $20,632 at 6%; with 100% employer match about $23,211 at 4% or $15,474 at 6%. |
| 401(A) THRIFT PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 50 | $465,536 | $24,040 | $481iApproximate average salary by contribution assumption: employee only about $12,020 at 4% or $8,013 at 6%; with 50% employer match about $8,013 at 4% or $5,342 at 6%; with 100% employer match about $6,010 at 4% or $4,007 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 15 | $348,476 | $68,802 | $4,587iApproximate average salary by contribution assumption: employee only about $114,670 at 4% or $76,447 at 6%; with 50% employer match about $76,447 at 4% or $50,964 at 6%; with 100% employer match about $57,335 at 4% or $38,223 at 6%. |
| 2015 | 2 | 41 | $767,644 | $98,179 | $2,395iApproximate average salary by contribution assumption: employee only about $59,865 at 4% or $39,910 at 6%; with 50% employer match about $39,910 at 4% or $26,607 at 6%; with 100% employer match about $29,933 at 4% or $19,955 at 6%. |
| 401(A) THRIFT PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, | - | 41 | $441,229 | $46,216 | $1,127iApproximate average salary by contribution assumption: employee only about $28,180 at 4% or $18,787 at 6%; with 50% employer match about $18,787 at 4% or $12,525 at 6%; with 100% employer match about $14,090 at 4% or $9,393 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, | - | 16 | $326,415 | $51,963 | $3,248iApproximate average salary by contribution assumption: employee only about $81,192 at 4% or $54,128 at 6%; with 50% employer match about $54,128 at 4% or $36,085 at 6%; with 100% employer match about $40,596 at 4% or $27,064 at 6%. |
| 2014 | 2 | 47 | $738,865 | $128,843 | $2,741iApproximate average salary by contribution assumption: employee only about $68,534 at 4% or $45,689 at 6%; with 50% employer match about $45,689 at 4% or $30,459 at 6%; with 100% employer match about $34,267 at 4% or $22,845 at 6%. |
| 401(A) THRIFT PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS | - | 47 | $429,370 | $48,966 | $1,042iApproximate average salary by contribution assumption: employee only about $26,046 at 4% or $17,364 at 6%; with 50% employer match about $17,364 at 4% or $11,576 at 6%; with 100% employer match about $13,023 at 4% or $8,682 at 6%. |
| TAX DEFERRED ANNUITY PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS | - | 17 | $309,495 | $79,877 | $4,699iApproximate average salary by contribution assumption: employee only about $117,466 at 4% or $78,311 at 6%; with 50% employer match about $78,311 at 4% or $52,207 at 6%; with 100% employer match about $58,733 at 4% or $39,155 at 6%. |
| 2013 | 1 | 45 | $414,284 | $90,670 | $2,015iApproximate average salary by contribution assumption: employee only about $50,372 at 4% or $33,581 at 6%; with 50% employer match about $33,581 at 4% or $22,388 at 6%; with 100% employer match about $25,186 at 4% or $16,791 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ARC, INC. | - | 45 | $414,284 | $90,670 | $2,015iApproximate average salary by contribution assumption: employee only about $50,372 at 4% or $33,581 at 6%; with 50% employer match about $33,581 at 4% or $22,388 at 6%; with 100% employer match about $25,186 at 4% or $16,791 at 6%. |
| 2012 | 2 | 47 | $568,782 | $204,652 | $4,354iApproximate average salary by contribution assumption: employee only about $108,857 at 4% or $72,572 at 6%; with 50% employer match about $72,572 at 4% or $48,381 at 6%; with 100% employer match about $54,429 at 4% or $36,286 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ARC, INC. | - | 47 | $343,780 | $114,816 | $2,443iApproximate average salary by contribution assumption: employee only about $61,072 at 4% or $40,715 at 6%; with 50% employer match about $40,715 at 4% or $27,143 at 6%; with 100% employer match about $30,536 at 4% or $20,357 at 6%. |
| TAX DEFERRED ANNUITY PLAN FOR EMPLOYEES OF GWARC, INC. | - | 14 | $225,002 | $89,836 | $6,417iApproximate average salary by contribution assumption: employee only about $160,421 at 4% or $106,948 at 6%; with 50% employer match about $106,948 at 4% or $71,298 at 6%; with 100% employer match about $80,211 at 4% or $53,474 at 6%. |
| 2011 | 2 | 40 | $448,854 | $171,790 | $4,295iApproximate average salary by contribution assumption: employee only about $107,369 at 4% or $71,579 at 6%; with 50% employer match about $71,579 at 4% or $47,719 at 6%; with 100% employer match about $53,684 at 4% or $35,790 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ARC, INC. | - | 40 | $290,960 | $92,360 | $2,309iApproximate average salary by contribution assumption: employee only about $57,725 at 4% or $38,483 at 6%; with 50% employer match about $38,483 at 4% or $25,656 at 6%; with 100% employer match about $28,863 at 4% or $19,242 at 6%. |
| TAX DEFERRED ANNUITY PLAN FOR EMPLOYEES OF GWARC, INC. | - | 12 | $157,894 | $79,430 | $6,619iApproximate average salary by contribution assumption: employee only about $165,479 at 4% or $110,319 at 6%; with 50% employer match about $110,319 at 4% or $73,546 at 6%; with 100% employer match about $82,740 at 4% or $55,160 at 6%. |
| 2010 | 2 | 43 | $395,484 | $143,662 | $3,341iApproximate average salary by contribution assumption: employee only about $83,524 at 4% or $55,683 at 6%; with 50% employer match about $55,683 at 4% or $37,122 at 6%; with 100% employer match about $41,762 at 4% or $27,841 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ARC, INC. | - | 43 | $269,984 | $81,902 | $1,905iApproximate average salary by contribution assumption: employee only about $47,617 at 4% or $31,745 at 6%; with 50% employer match about $31,745 at 4% or $21,163 at 6%; with 100% employer match about $23,809 at 4% or $15,872 at 6%. |
| TAX DEFERRED ANNUITY PLAN FOR EMPLOYEES OF GWARC, INC. | - | 12 | $125,500 | $61,760 | $5,147iApproximate average salary by contribution assumption: employee only about $128,667 at 4% or $85,778 at 6%; with 50% employer match about $85,778 at 4% or $57,185 at 6%; with 100% employer match about $64,333 at 4% or $42,889 at 6%. |
| 2009 | 2 | 40 | $288,213 | $152,490 | $3,812iApproximate average salary by contribution assumption: employee only about $95,306 at 4% or $63,538 at 6%; with 50% employer match about $63,538 at 4% or $42,358 at 6%; with 100% employer match about $47,653 at 4% or $31,769 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ARC, INC. | - | 40 | $203,615 | $90,690 | $2,267iApproximate average salary by contribution assumption: employee only about $56,681 at 4% or $37,788 at 6%; with 50% employer match about $37,788 at 4% or $25,192 at 6%; with 100% employer match about $28,341 at 4% or $18,894 at 6%. |
| TAX DEFERRED ANNUITY PLAN FOR EMPLOYEES OF GWARC, INC. | - | 12 | $84,598 | $61,800 | $5,150iApproximate average salary by contribution assumption: employee only about $128,750 at 4% or $85,833 at 6%; with 50% employer match about $85,833 at 4% or $57,222 at 6%; with 100% employer match about $64,375 at 4% or $42,917 at 6%. |
| 2008 | 1 | 20 | $166,975 | $28,080 | $1,404iApproximate average salary by contribution assumption: employee only about $35,100 at 4% or $23,400 at 6%; with 50% employer match about $23,400 at 4% or $15,600 at 6%; with 100% employer match about $17,550 at 4% or $11,700 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 20 | $166,975 | $28,080 | $1,404iApproximate average salary by contribution assumption: employee only about $35,100 at 4% or $23,400 at 6%; with 50% employer match about $23,400 at 4% or $15,600 at 6%; with 100% employer match about $17,550 at 4% or $11,700 at 6%. |
| 2007 | 1 | 25 | $0 | $0 | - |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 25 | - | - | - |
| 2006 | 1 | 29 | $168,171 | $33,335 | $1,149iApproximate average salary by contribution assumption: employee only about $28,737 at 4% or $19,158 at 6%; with 50% employer match about $19,158 at 4% or $12,772 at 6%; with 100% employer match about $14,369 at 4% or $9,579 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 29 | $168,171 | $33,335 | $1,149iApproximate average salary by contribution assumption: employee only about $28,737 at 4% or $19,158 at 6%; with 50% employer match about $19,158 at 4% or $12,772 at 6%; with 100% employer match about $14,369 at 4% or $9,579 at 6%. |
| 2005 | 1 | 30 | $127,926 | $32,533 | $1,084iApproximate average salary by contribution assumption: employee only about $27,111 at 4% or $18,074 at 6%; with 50% employer match about $18,074 at 4% or $12,049 at 6%; with 100% employer match about $13,555 at 4% or $9,037 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITITZENS, INC. | - | 30 | $127,926 | $32,533 | $1,084iApproximate average salary by contribution assumption: employee only about $27,111 at 4% or $18,074 at 6%; with 50% employer match about $18,074 at 4% or $12,049 at 6%; with 100% employer match about $13,555 at 4% or $9,037 at 6%. |
| 2004 | 1 | 29 | $105,269 | $33,575 | $1,158iApproximate average salary by contribution assumption: employee only about $28,944 at 4% or $19,296 at 6%; with 50% employer match about $19,296 at 4% or $12,864 at 6%; with 100% employer match about $14,472 at 4% or $9,648 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATES FOR RETARDED CITIZENS INC. | - | 29 | $105,269 | $33,575 | $1,158iApproximate average salary by contribution assumption: employee only about $28,944 at 4% or $19,296 at 6%; with 50% employer match about $19,296 at 4% or $12,864 at 6%; with 100% employer match about $14,472 at 4% or $9,648 at 6%. |
| 2003 | 1 | 34 | $77,182 | $32,238 | $948iApproximate average salary by contribution assumption: employee only about $23,704 at 4% or $15,803 at 6%; with 50% employer match about $15,803 at 4% or $10,535 at 6%; with 100% employer match about $11,852 at 4% or $7,901 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS INC. | - | 34 | $77,182 | $32,238 | $948iApproximate average salary by contribution assumption: employee only about $23,704 at 4% or $15,803 at 6%; with 50% employer match about $15,803 at 4% or $10,535 at 6%; with 100% employer match about $11,852 at 4% or $7,901 at 6%. |
| 2002 | 1 | 31 | $0 | $0 | - |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 31 | - | - | - |
| 2001 | 1 | 27 | $24,602 | $17,551 | $650iApproximate average salary by contribution assumption: employee only about $16,251 at 4% or $10,834 at 6%; with 50% employer match about $10,834 at 4% or $7,223 at 6%; with 100% employer match about $8,125 at 4% or $5,417 at 6%. |
| GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. PROFIT SHARING PLAN | - | 27 | $24,602 | $17,551 | $650iApproximate average salary by contribution assumption: employee only about $16,251 at 4% or $10,834 at 6%; with 50% employer match about $10,834 at 4% or $7,223 at 6%; with 100% employer match about $8,125 at 4% or $5,417 at 6%. |
| 2000 | 1 | 27 | $11,898 | $12,856 | $476iApproximate average salary by contribution assumption: employee only about $11,904 at 4% or $7,936 at 6%; with 50% employer match about $7,936 at 4% or $5,291 at 6%; with 100% employer match about $5,952 at 4% or $3,968 at 6%. |
| EMPLOYEE BENEFITS PLAN OF GREATER WALTHAM ASSOCIATION FOR RETARDED CITIZENS, INC. | - | 27 | $11,898 | $12,856 | $476iApproximate average salary by contribution assumption: employee only about $11,904 at 4% or $7,936 at 6%; with 50% employer match about $7,936 at 4% or $5,291 at 6%; with 100% employer match about $5,952 at 4% or $3,968 at 6%. |