Civic Intelligence

Richard S. Kozlowski, D.D.S. 401(K) Plan

Plan context: Richard S. Kozlowski, D.D.S 401(K) Plan

EIN 04-3384782 • St. Johnsbury, VT • 20 filings • 3 plans

1229 Main StreetSt. Johnsbury, VT 05819
Current Snapshot

Latest Year

2025

2025 Participants

13

2025 Assets

$2,399,169

2025 Contributions

$132,463

Historical Graphs

Total Assets Over Time

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

$2,408,231$1,204,116$0200620162025YearValue
$2,399,169Latest year 2025

Participants Over Time

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

1470200620162025YearValue
13Latest year 2025

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
2025113$2,399,169$132,463$10,189iApproximate average salary by contribution assumption: employee only about $254,737 at 4% or $169,824 at 6%; with 50% employer match about $169,824 at 4% or $113,216 at 6%; with 100% employer match about $127,368 at 4% or $84,912 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-13$2,399,169$132,463$10,189iApproximate average salary by contribution assumption: employee only about $254,737 at 4% or $169,824 at 6%; with 50% employer match about $169,824 at 4% or $113,216 at 6%; with 100% employer match about $127,368 at 4% or $84,912 at 6%.
2024112$2,408,231$141,704$11,809iApproximate average salary by contribution assumption: employee only about $295,217 at 4% or $196,811 at 6%; with 50% employer match about $196,811 at 4% or $131,207 at 6%; with 100% employer match about $147,608 at 4% or $98,406 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-12$2,408,231$141,704$11,809iApproximate average salary by contribution assumption: employee only about $295,217 at 4% or $196,811 at 6%; with 50% employer match about $196,811 at 4% or $131,207 at 6%; with 100% employer match about $147,608 at 4% or $98,406 at 6%.
2023112$2,059,564$30,746$2,562iApproximate average salary by contribution assumption: employee only about $64,054 at 4% or $42,703 at 6%; with 50% employer match about $42,703 at 4% or $28,469 at 6%; with 100% employer match about $32,027 at 4% or $21,351 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-12$2,059,564$30,746$2,562iApproximate average salary by contribution assumption: employee only about $64,054 at 4% or $42,703 at 6%; with 50% employer match about $42,703 at 4% or $28,469 at 6%; with 100% employer match about $32,027 at 4% or $21,351 at 6%.
2022112$1,844,469$139,637$11,636iApproximate average salary by contribution assumption: employee only about $290,910 at 4% or $193,940 at 6%; with 50% employer match about $193,940 at 4% or $129,294 at 6%; with 100% employer match about $145,455 at 4% or $96,970 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-12$1,844,469$139,637$11,636iApproximate average salary by contribution assumption: employee only about $290,910 at 4% or $193,940 at 6%; with 50% employer match about $193,940 at 4% or $129,294 at 6%; with 100% employer match about $145,455 at 4% or $96,970 at 6%.
2021114$2,354,817$117,554$8,397iApproximate average salary by contribution assumption: employee only about $209,918 at 4% or $139,945 at 6%; with 50% employer match about $139,945 at 4% or $93,297 at 6%; with 100% employer match about $104,959 at 4% or $69,973 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-14$2,354,817$117,554$8,397iApproximate average salary by contribution assumption: employee only about $209,918 at 4% or $139,945 at 6%; with 50% employer match about $139,945 at 4% or $93,297 at 6%; with 100% employer match about $104,959 at 4% or $69,973 at 6%.
2020112$2,063,452$96,137$8,011iApproximate average salary by contribution assumption: employee only about $200,285 at 4% or $133,524 at 6%; with 50% employer match about $133,524 at 4% or $89,016 at 6%; with 100% employer match about $100,143 at 4% or $66,762 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-12$2,063,452$96,137$8,011iApproximate average salary by contribution assumption: employee only about $200,285 at 4% or $133,524 at 6%; with 50% employer match about $133,524 at 4% or $89,016 at 6%; with 100% employer match about $100,143 at 4% or $66,762 at 6%.
2019112$1,855,427$90,915$7,576iApproximate average salary by contribution assumption: employee only about $189,406 at 4% or $126,271 at 6%; with 50% employer match about $126,271 at 4% or $84,181 at 6%; with 100% employer match about $94,703 at 4% or $63,135 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-12$1,855,427$90,915$7,576iApproximate average salary by contribution assumption: employee only about $189,406 at 4% or $126,271 at 6%; with 50% employer match about $126,271 at 4% or $84,181 at 6%; with 100% employer match about $94,703 at 4% or $63,135 at 6%.
2018111$1,531,165$87,975$7,998iApproximate average salary by contribution assumption: employee only about $199,943 at 4% or $133,295 at 6%; with 50% employer match about $133,295 at 4% or $88,864 at 6%; with 100% employer match about $99,972 at 4% or $66,648 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-11$1,531,165$87,975$7,998iApproximate average salary by contribution assumption: employee only about $199,943 at 4% or $133,295 at 6%; with 50% employer match about $133,295 at 4% or $88,864 at 6%; with 100% employer match about $99,972 at 4% or $66,648 at 6%.
2017111$1,518,207$90,526$8,230iApproximate average salary by contribution assumption: employee only about $205,741 at 4% or $137,161 at 6%; with 50% employer match about $137,161 at 4% or $91,440 at 6%; with 100% employer match about $102,870 at 4% or $68,580 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-11$1,518,207$90,526$8,230iApproximate average salary by contribution assumption: employee only about $205,741 at 4% or $137,161 at 6%; with 50% employer match about $137,161 at 4% or $91,440 at 6%; with 100% employer match about $102,870 at 4% or $68,580 at 6%.
2016113$1,315,921$90,644$6,973iApproximate average salary by contribution assumption: employee only about $174,315 at 4% or $116,210 at 6%; with 50% employer match about $116,210 at 4% or $77,474 at 6%; with 100% employer match about $87,158 at 4% or $58,105 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-13$1,315,921$90,644$6,973iApproximate average salary by contribution assumption: employee only about $174,315 at 4% or $116,210 at 6%; with 50% employer match about $116,210 at 4% or $77,474 at 6%; with 100% employer match about $87,158 at 4% or $58,105 at 6%.
2015110$1,148,364$89,457$8,946iApproximate average salary by contribution assumption: employee only about $223,643 at 4% or $149,095 at 6%; with 50% employer match about $149,095 at 4% or $99,397 at 6%; with 100% employer match about $111,821 at 4% or $74,548 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-10$1,148,364$89,457$8,946iApproximate average salary by contribution assumption: employee only about $223,643 at 4% or $149,095 at 6%; with 50% employer match about $149,095 at 4% or $99,397 at 6%; with 100% employer match about $111,821 at 4% or $74,548 at 6%.
2014110$1,088,264$141,322$14,132iApproximate average salary by contribution assumption: employee only about $353,305 at 4% or $235,537 at 6%; with 50% employer match about $235,537 at 4% or $157,024 at 6%; with 100% employer match about $176,653 at 4% or $117,768 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-10$1,088,264$141,322$14,132iApproximate average salary by contribution assumption: employee only about $353,305 at 4% or $235,537 at 6%; with 50% employer match about $235,537 at 4% or $157,024 at 6%; with 100% employer match about $176,653 at 4% or $117,768 at 6%.
201319$838,453$90,962$10,107iApproximate average salary by contribution assumption: employee only about $252,672 at 4% or $168,448 at 6%; with 50% employer match about $168,448 at 4% or $112,299 at 6%; with 100% employer match about $126,336 at 4% or $84,224 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-9$838,453$90,962$10,107iApproximate average salary by contribution assumption: employee only about $252,672 at 4% or $168,448 at 6%; with 50% employer match about $168,448 at 4% or $112,299 at 6%; with 100% employer match about $126,336 at 4% or $84,224 at 6%.
201219$715,793$91,698$10,189iApproximate average salary by contribution assumption: employee only about $254,717 at 4% or $169,811 at 6%; with 50% employer match about $169,811 at 4% or $113,207 at 6%; with 100% employer match about $127,358 at 4% or $84,906 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-9$715,793$91,698$10,189iApproximate average salary by contribution assumption: employee only about $254,717 at 4% or $169,811 at 6%; with 50% employer match about $169,811 at 4% or $113,207 at 6%; with 100% employer match about $127,358 at 4% or $84,906 at 6%.
201119$584,659$87,512$9,724iApproximate average salary by contribution assumption: employee only about $243,089 at 4% or $162,059 at 6%; with 50% employer match about $162,059 at 4% or $108,040 at 6%; with 100% employer match about $121,544 at 4% or $81,030 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-9$584,659$87,512$9,724iApproximate average salary by contribution assumption: employee only about $243,089 at 4% or $162,059 at 6%; with 50% employer match about $162,059 at 4% or $108,040 at 6%; with 100% employer match about $121,544 at 4% or $81,030 at 6%.
201018$497,998$85,587$10,698iApproximate average salary by contribution assumption: employee only about $267,459 at 4% or $178,306 at 6%; with 50% employer match about $178,306 at 4% or $118,871 at 6%; with 100% employer match about $133,730 at 4% or $89,153 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-8$497,998$85,587$10,698iApproximate average salary by contribution assumption: employee only about $267,459 at 4% or $178,306 at 6%; with 50% employer match about $178,306 at 4% or $118,871 at 6%; with 100% employer match about $133,730 at 4% or $89,153 at 6%.
200919$400,610$88,590$9,843iApproximate average salary by contribution assumption: employee only about $246,083 at 4% or $164,056 at 6%; with 50% employer match about $164,056 at 4% or $109,370 at 6%; with 100% employer match about $123,042 at 4% or $82,028 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-9$400,610$88,590$9,843iApproximate average salary by contribution assumption: employee only about $246,083 at 4% or $164,056 at 6%; with 50% employer match about $164,056 at 4% or $109,370 at 6%; with 100% employer match about $123,042 at 4% or $82,028 at 6%.
200818$277,152$90,015$11,252iApproximate average salary by contribution assumption: employee only about $281,297 at 4% or $187,531 at 6%; with 50% employer match about $187,531 at 4% or $125,021 at 6%; with 100% employer match about $140,648 at 4% or $93,766 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-8$277,152$90,015$11,252iApproximate average salary by contribution assumption: employee only about $281,297 at 4% or $187,531 at 6%; with 50% employer match about $187,531 at 4% or $125,021 at 6%; with 100% employer match about $140,648 at 4% or $93,766 at 6%.
200718$263,560$184,113$23,014iApproximate average salary by contribution assumption: employee only about $575,353 at 4% or $383,569 at 6%; with 50% employer match about $383,569 at 4% or $255,713 at 6%; with 100% employer match about $287,677 at 4% or $191,784 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-8$263,560$184,113$23,014iApproximate average salary by contribution assumption: employee only about $575,353 at 4% or $383,569 at 6%; with 50% employer match about $383,569 at 4% or $255,713 at 6%; with 100% employer match about $287,677 at 4% or $191,784 at 6%.
200617$72,800$72,779$10,397iApproximate average salary by contribution assumption: employee only about $259,925 at 4% or $173,283 at 6%; with 50% employer match about $173,283 at 4% or $115,522 at 6%; with 100% employer match about $129,963 at 4% or $86,642 at 6%.
Richard S. Kozlowski, D.D.S 401(K) Plan-7$72,800$72,779$10,397iApproximate average salary by contribution assumption: employee only about $259,925 at 4% or $173,283 at 6%; with 50% employer match about $173,283 at 4% or $115,522 at 6%; with 100% employer match about $129,963 at 4% or $86,642 at 6%.