Kmk Insulation Inc.
Plan context: Kmk Insulation Inc. Prevailing Wage Pension Plan
EIN 06-1289677 • North Haven, CT • 50 filings • 4 plans
Current Snapshot
Latest Year
2025
2025 Participants
82
2025 Assets
$9,931,347
2025 Contributions
$976,585
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 | 1 | 82 | $9,931,347 | $976,585 | $11,910iApproximate average salary by contribution assumption: employee only about $297,739 at 4% or $198,493 at 6%; with 50% employer match about $198,493 at 4% or $132,329 at 6%; with 100% employer match about $148,870 at 4% or $99,246 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 82 | $9,931,347 | $976,585 | $11,910iApproximate average salary by contribution assumption: employee only about $297,739 at 4% or $198,493 at 6%; with 50% employer match about $198,493 at 4% or $132,329 at 6%; with 100% employer match about $148,870 at 4% or $99,246 at 6%. |
| 2024 | 2 | 75 | $16,910,599 | $1,233,738 | $16,450iApproximate average salary by contribution assumption: employee only about $411,246 at 4% or $274,164 at 6%; with 50% employer match about $274,164 at 4% or $182,776 at 6%; with 100% employer match about $205,623 at 4% or $137,082 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 52 | $8,684,604 | $410,425 | $7,893iApproximate average salary by contribution assumption: employee only about $197,320 at 4% or $131,546 at 6%; with 50% employer match about $131,546 at 4% or $87,698 at 6%; with 100% employer match about $98,660 at 4% or $65,773 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 75 | $8,225,995 | $823,313 | $10,978iApproximate average salary by contribution assumption: employee only about $274,438 at 4% or $182,958 at 6%; with 50% employer match about $182,958 at 4% or $121,972 at 6%; with 100% employer match about $137,219 at 4% or $91,479 at 6%. |
| 2023 | 2 | 81 | $14,929,622 | $806,240 | $9,954iApproximate average salary by contribution assumption: employee only about $248,840 at 4% or $165,893 at 6%; with 50% employer match about $165,893 at 4% or $110,595 at 6%; with 100% employer match about $124,420 at 4% or $82,947 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 55 | $7,464,811 | $403,120 | $7,329iApproximate average salary by contribution assumption: employee only about $183,236 at 4% or $122,158 at 6%; with 50% employer match about $122,158 at 4% or $81,438 at 6%; with 100% employer match about $91,618 at 4% or $61,079 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 81 | $7,464,811 | $403,120 | $4,977iApproximate average salary by contribution assumption: employee only about $124,420 at 4% or $82,947 at 6%; with 50% employer match about $82,947 at 4% or $55,298 at 6%; with 100% employer match about $62,210 at 4% or $41,473 at 6%. |
| 2022 | 2 | 70 | $12,214,379 | $762,082 | $10,887iApproximate average salary by contribution assumption: employee only about $272,172 at 4% or $181,448 at 6%; with 50% employer match about $181,448 at 4% or $120,965 at 6%; with 100% employer match about $136,086 at 4% or $90,724 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 51 | $6,144,204 | $393,560 | $7,717iApproximate average salary by contribution assumption: employee only about $192,922 at 4% or $128,614 at 6%; with 50% employer match about $128,614 at 4% or $85,743 at 6%; with 100% employer match about $96,461 at 4% or $64,307 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 70 | $6,070,175 | $368,522 | $5,265iApproximate average salary by contribution assumption: employee only about $131,615 at 4% or $87,743 at 6%; with 50% employer match about $87,743 at 4% or $58,496 at 6%; with 100% employer match about $65,808 at 4% or $43,872 at 6%. |
| 2021 | 2 | 66 | $13,556,027 | $901,744 | $13,663iApproximate average salary by contribution assumption: employee only about $341,570 at 4% or $227,713 at 6%; with 50% employer match about $227,713 at 4% or $151,809 at 6%; with 100% employer match about $170,785 at 4% or $113,857 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 48 | $6,894,643 | $357,874 | $7,456iApproximate average salary by contribution assumption: employee only about $186,393 at 4% or $124,262 at 6%; with 50% employer match about $124,262 at 4% or $82,841 at 6%; with 100% employer match about $93,196 at 4% or $62,131 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 66 | $6,661,384 | $543,870 | $8,240iApproximate average salary by contribution assumption: employee only about $206,011 at 4% or $137,341 at 6%; with 50% employer match about $137,341 at 4% or $91,561 at 6%; with 100% employer match about $103,006 at 4% or $68,670 at 6%. |
| 2020 | 2 | 68 | $11,885,288 | $1,203,962 | $17,705iApproximate average salary by contribution assumption: employee only about $442,633 at 4% or $295,089 at 6%; with 50% employer match about $295,089 at 4% or $196,726 at 6%; with 100% employer match about $221,317 at 4% or $147,544 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 50 | $5,981,309 | $316,196 | $6,324iApproximate average salary by contribution assumption: employee only about $158,098 at 4% or $105,399 at 6%; with 50% employer match about $105,399 at 4% or $70,266 at 6%; with 100% employer match about $79,049 at 4% or $52,699 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 68 | $5,903,979 | $887,766 | $13,055iApproximate average salary by contribution assumption: employee only about $326,385 at 4% or $217,590 at 6%; with 50% employer match about $217,590 at 4% or $145,060 at 6%; with 100% employer match about $163,192 at 4% or $108,795 at 6%. |
| 2019 | 2 | 72 | $12,669,349 | $928,805 | $12,900iApproximate average salary by contribution assumption: employee only about $322,502 at 4% or $215,001 at 6%; with 50% employer match about $215,001 at 4% or $143,334 at 6%; with 100% employer match about $161,251 at 4% or $107,501 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 72 | $6,394,344 | $564,000 | $7,833iApproximate average salary by contribution assumption: employee only about $195,833 at 4% or $130,556 at 6%; with 50% employer match about $130,556 at 4% or $87,037 at 6%; with 100% employer match about $97,917 at 4% or $65,278 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 49 | $6,275,005 | $364,805 | $7,445iApproximate average salary by contribution assumption: employee only about $186,125 at 4% or $124,083 at 6%; with 50% employer match about $124,083 at 4% or $82,722 at 6%; with 100% employer match about $93,063 at 4% or $62,042 at 6%. |
| 2018 | 2 | 71 | $11,279,079 | $830,093 | $11,691iApproximate average salary by contribution assumption: employee only about $292,286 at 4% or $194,858 at 6%; with 50% employer match about $194,858 at 4% or $129,905 at 6%; with 100% employer match about $146,143 at 4% or $97,429 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 54 | $5,656,731 | $381,723 | $7,069iApproximate average salary by contribution assumption: employee only about $176,724 at 4% or $117,816 at 6%; with 50% employer match about $117,816 at 4% or $78,544 at 6%; with 100% employer match about $88,362 at 4% or $58,908 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 71 | $5,622,348 | $448,370 | $6,315iApproximate average salary by contribution assumption: employee only about $157,877 at 4% or $105,251 at 6%; with 50% employer match about $105,251 at 4% or $70,167 at 6%; with 100% employer match about $78,938 at 4% or $52,626 at 6%. |
| 2017 | 1 | 72 | $6,289,364 | $510,322 | $7,088iApproximate average salary by contribution assumption: employee only about $177,195 at 4% or $118,130 at 6%; with 50% employer match about $118,130 at 4% or $78,753 at 6%; with 100% employer match about $88,598 at 4% or $59,065 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 72 | $6,289,364 | $510,322 | $7,088iApproximate average salary by contribution assumption: employee only about $177,195 at 4% or $118,130 at 6%; with 50% employer match about $118,130 at 4% or $78,753 at 6%; with 100% employer match about $88,598 at 4% or $59,065 at 6%. |
| 2016 | 2 | 67 | $10,323,747 | $1,084,834 | $16,192iApproximate average salary by contribution assumption: employee only about $404,789 at 4% or $269,859 at 6%; with 50% employer match about $269,859 at 4% or $179,906 at 6%; with 100% employer match about $202,394 at 4% or $134,930 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 67 | $5,450,364 | $760,066 | $11,344iApproximate average salary by contribution assumption: employee only about $283,607 at 4% or $189,071 at 6%; with 50% employer match about $189,071 at 4% or $126,047 at 6%; with 100% employer match about $141,803 at 4% or $94,536 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 45 | $4,873,383 | $324,768 | $7,217iApproximate average salary by contribution assumption: employee only about $180,427 at 4% or $120,284 at 6%; with 50% employer match about $120,284 at 4% or $80,190 at 6%; with 100% employer match about $90,213 at 4% or $60,142 at 6%. |
| 2015 | 2 | 72 | $8,951,934 | $1,104,493 | $15,340iApproximate average salary by contribution assumption: employee only about $383,505 at 4% or $255,670 at 6%; with 50% employer match about $255,670 at 4% or $170,446 at 6%; with 100% employer match about $191,752 at 4% or $127,835 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 72 | $4,694,385 | $784,079 | $10,890iApproximate average salary by contribution assumption: employee only about $272,250 at 4% or $181,500 at 6%; with 50% employer match about $181,500 at 4% or $121,000 at 6%; with 100% employer match about $136,125 at 4% or $90,750 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 46 | $4,257,549 | $320,414 | $6,966iApproximate average salary by contribution assumption: employee only about $174,138 at 4% or $116,092 at 6%; with 50% employer match about $116,092 at 4% or $77,395 at 6%; with 100% employer match about $87,069 at 4% or $58,046 at 6%. |
| 2014 | 2 | 56 | $8,310,751 | $1,176,208 | $21,004iApproximate average salary by contribution assumption: employee only about $525,093 at 4% or $350,062 at 6%; with 50% employer match about $350,062 at 4% or $233,375 at 6%; with 100% employer match about $262,546 at 4% or $175,031 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 56 | $4,229,020 | $876,370 | $15,649iApproximate average salary by contribution assumption: employee only about $391,237 at 4% or $260,824 at 6%; with 50% employer match about $260,824 at 4% or $173,883 at 6%; with 100% employer match about $195,618 at 4% or $130,412 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 42 | $4,081,731 | $299,838 | $7,139iApproximate average salary by contribution assumption: employee only about $178,475 at 4% or $118,983 at 6%; with 50% employer match about $118,983 at 4% or $79,322 at 6%; with 100% employer match about $89,238 at 4% or $59,492 at 6%. |
| 2013 | 2 | 53 | $6,995,456 | $1,018,594 | $19,219iApproximate average salary by contribution assumption: employee only about $480,469 at 4% or $320,313 at 6%; with 50% employer match about $320,313 at 4% or $213,542 at 6%; with 100% employer match about $240,234 at 4% or $160,156 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 40 | $3,674,124 | $237,450 | $5,936iApproximate average salary by contribution assumption: employee only about $148,406 at 4% or $98,938 at 6%; with 50% employer match about $98,938 at 4% or $65,958 at 6%; with 100% employer match about $74,203 at 4% or $49,469 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 53 | $3,321,332 | $781,144 | $14,739iApproximate average salary by contribution assumption: employee only about $368,464 at 4% or $245,643 at 6%; with 50% employer match about $245,643 at 4% or $163,762 at 6%; with 100% employer match about $184,232 at 4% or $122,821 at 6%. |
| 2012 | 2 | 55 | $5,576,122 | $828,627 | $15,066iApproximate average salary by contribution assumption: employee only about $376,649 at 4% or $251,099 at 6%; with 50% employer match about $251,099 at 4% or $167,399 at 6%; with 100% employer match about $188,324 at 4% or $125,550 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 38 | $3,074,904 | $200,047 | $5,264iApproximate average salary by contribution assumption: employee only about $131,610 at 4% or $87,740 at 6%; with 50% employer match about $87,740 at 4% or $58,493 at 6%; with 100% employer match about $65,805 at 4% or $43,870 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 55 | $2,501,218 | $628,580 | $11,429iApproximate average salary by contribution assumption: employee only about $285,718 at 4% or $190,479 at 6%; with 50% employer match about $190,479 at 4% or $126,986 at 6%; with 100% employer match about $142,859 at 4% or $95,239 at 6%. |
| 2011 | 2 | 51 | $4,533,321 | $457,680 | $8,974iApproximate average salary by contribution assumption: employee only about $224,353 at 4% or $149,569 at 6%; with 50% employer match about $149,569 at 4% or $99,712 at 6%; with 100% employer match about $112,176 at 4% or $74,784 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 43 | $2,672,277 | $199,735 | $4,645iApproximate average salary by contribution assumption: employee only about $116,125 at 4% or $77,417 at 6%; with 50% employer match about $77,417 at 4% or $51,611 at 6%; with 100% employer match about $58,063 at 4% or $38,708 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 51 | $1,861,044 | $257,945 | $5,058iApproximate average salary by contribution assumption: employee only about $126,444 at 4% or $84,296 at 6%; with 50% employer match about $84,296 at 4% or $56,197 at 6%; with 100% employer match about $63,222 at 4% or $42,148 at 6%. |
| 2010 | 2 | 48 | $4,744,455 | $164,189 | $3,421iApproximate average salary by contribution assumption: employee only about $85,515 at 4% or $57,010 at 6%; with 50% employer match about $57,010 at 4% or $38,007 at 6%; with 100% employer match about $42,758 at 4% or $28,505 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 39 | $3,049,759 | $0 | - |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 48 | $1,694,696 | $164,189 | $3,421iApproximate average salary by contribution assumption: employee only about $85,515 at 4% or $57,010 at 6%; with 50% employer match about $57,010 at 4% or $38,007 at 6%; with 100% employer match about $42,758 at 4% or $28,505 at 6%. |
| 2009 | 2 | 54 | $4,210,892 | $498,590 | $9,233iApproximate average salary by contribution assumption: employee only about $230,829 at 4% or $153,886 at 6%; with 50% employer match about $153,886 at 4% or $102,591 at 6%; with 100% employer match about $115,414 at 4% or $76,943 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 41 | $2,748,187 | $253,658 | $6,187iApproximate average salary by contribution assumption: employee only about $154,670 at 4% or $103,113 at 6%; with 50% employer match about $103,113 at 4% or $68,742 at 6%; with 100% employer match about $77,335 at 4% or $51,557 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 54 | $1,462,705 | $244,932 | $4,536iApproximate average salary by contribution assumption: employee only about $113,394 at 4% or $75,596 at 6%; with 50% employer match about $75,596 at 4% or $50,398 at 6%; with 100% employer match about $56,697 at 4% or $37,798 at 6%. |
| 2008 | 2 | 38 | $3,189,363 | $386,712 | $10,177iApproximate average salary by contribution assumption: employee only about $254,416 at 4% or $169,611 at 6%; with 50% employer match about $169,611 at 4% or $113,074 at 6%; with 100% employer match about $127,208 at 4% or $84,805 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 38 | $2,117,532 | $203,203 | $5,347iApproximate average salary by contribution assumption: employee only about $133,686 at 4% or $89,124 at 6%; with 50% employer match about $89,124 at 4% or $59,416 at 6%; with 100% employer match about $66,843 at 4% or $44,562 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 34 | $1,071,831 | $183,509 | $5,397iApproximate average salary by contribution assumption: employee only about $134,933 at 4% or $89,955 at 6%; with 50% employer match about $89,955 at 4% or $59,970 at 6%; with 100% employer match about $67,467 at 4% or $44,978 at 6%. |
| 2007 | 2 | 36 | $4,078,515 | $607,765 | $16,882iApproximate average salary by contribution assumption: employee only about $422,059 at 4% or $281,373 at 6%; with 50% employer match about $281,373 at 4% or $187,582 at 6%; with 100% employer match about $211,030 at 4% or $140,686 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 36 | $2,864,269 | $330,776 | $9,188iApproximate average salary by contribution assumption: employee only about $229,706 at 4% or $153,137 at 6%; with 50% employer match about $153,137 at 4% or $102,091 at 6%; with 100% employer match about $114,853 at 4% or $76,569 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 31 | $1,214,246 | $276,989 | $8,935iApproximate average salary by contribution assumption: employee only about $223,378 at 4% or $148,919 at 6%; with 50% employer match about $148,919 at 4% or $99,279 at 6%; with 100% employer match about $111,689 at 4% or $74,459 at 6%. |
| 2006 | 2 | 44 | $3,342,904 | $540,048 | $12,274iApproximate average salary by contribution assumption: employee only about $306,845 at 4% or $204,564 at 6%; with 50% employer match about $204,564 at 4% or $136,376 at 6%; with 100% employer match about $153,423 at 4% or $102,282 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 32 | $2,426,840 | $299,628 | $9,363iApproximate average salary by contribution assumption: employee only about $234,084 at 4% or $156,056 at 6%; with 50% employer match about $156,056 at 4% or $104,038 at 6%; with 100% employer match about $117,042 at 4% or $78,028 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 44 | $916,064 | $240,420 | $5,464iApproximate average salary by contribution assumption: employee only about $136,602 at 4% or $91,068 at 6%; with 50% employer match about $91,068 at 4% or $60,712 at 6%; with 100% employer match about $68,301 at 4% or $45,534 at 6%. |
| 2005 | 2 | 49 | $0 | $0 | - |
| Kmk Insulation Inc. Profit Sharing Plan | - | 28 | - | - | - |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 49 | - | - | - |
| 2004 | 2 | 32 | $2,223,805 | $459,916 | $14,372iApproximate average salary by contribution assumption: employee only about $359,309 at 4% or $239,540 at 6%; with 50% employer match about $239,540 at 4% or $159,693 at 6%; with 100% employer match about $179,655 at 4% or $119,770 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 29 | $1,598,265 | $333,036 | $11,484iApproximate average salary by contribution assumption: employee only about $287,100 at 4% or $191,400 at 6%; with 50% employer match about $191,400 at 4% or $127,600 at 6%; with 100% employer match about $143,550 at 4% or $95,700 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 32 | $625,540 | $126,880 | $3,965iApproximate average salary by contribution assumption: employee only about $99,125 at 4% or $66,083 at 6%; with 50% employer match about $66,083 at 4% or $44,056 at 6%; with 100% employer match about $49,563 at 4% or $33,042 at 6%. |
| 2003 | 2 | 29 | $1,617,171 | $399,391 | $13,772iApproximate average salary by contribution assumption: employee only about $344,303 at 4% or $229,535 at 6%; with 50% employer match about $229,535 at 4% or $153,023 at 6%; with 100% employer match about $172,151 at 4% or $114,768 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 29 | $1,149,089 | $292,748 | $10,095iApproximate average salary by contribution assumption: employee only about $252,369 at 4% or $168,246 at 6%; with 50% employer match about $168,246 at 4% or $112,164 at 6%; with 100% employer match about $126,184 at 4% or $84,123 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 29 | $468,082 | $106,643 | $3,677iApproximate average salary by contribution assumption: employee only about $91,934 at 4% or $61,289 at 6%; with 50% employer match about $61,289 at 4% or $40,859 at 6%; with 100% employer match about $45,967 at 4% or $30,645 at 6%. |
| 2002 | 2 | 26 | $1,019,323 | $367,459 | $14,133iApproximate average salary by contribution assumption: employee only about $353,326 at 4% or $235,551 at 6%; with 50% employer match about $235,551 at 4% or $157,034 at 6%; with 100% employer match about $176,663 at 4% or $117,775 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 25 | $697,179 | $272,016 | $10,881iApproximate average salary by contribution assumption: employee only about $272,016 at 4% or $181,344 at 6%; with 50% employer match about $181,344 at 4% or $120,896 at 6%; with 100% employer match about $136,008 at 4% or $90,672 at 6%. |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 26 | $322,144 | $95,443 | $3,671iApproximate average salary by contribution assumption: employee only about $91,772 at 4% or $61,181 at 6%; with 50% employer match about $61,181 at 4% or $40,788 at 6%; with 100% employer match about $45,886 at 4% or $30,591 at 6%. |
| 2001 | 2 | 27 | $0 | $0 | - |
| Kmk Insulation Inc. Profit Sharing Plan | - | 20 | - | - | - |
| Kmk Insulation Inc. Prevailing Wage Pension Plan | - | 27 | - | - | - |
| 2000 | 1 | 16 | $0 | $0 | - |
| Kmk Insulation Inc. Profit Sharing Plan | - | 16 | - | - | - |
| 1999 | 1 | 15 | $301,382 | $143,379 | $9,559iApproximate average salary by contribution assumption: employee only about $238,965 at 4% or $159,310 at 6%; with 50% employer match about $159,310 at 4% or $106,207 at 6%; with 100% employer match about $119,483 at 4% or $79,655 at 6%. |
| Kmk Insulation Inc. Profit Sharing Plan | - | 15 | $301,382 | $143,379 | $9,559iApproximate average salary by contribution assumption: employee only about $238,965 at 4% or $159,310 at 6%; with 50% employer match about $159,310 at 4% or $106,207 at 6%; with 100% employer match about $119,483 at 4% or $79,655 at 6%. |