Civic Intelligence

Albert David Pearls & Gems Inc.

Plan context: Albert David Pearls & Gems Inc. Defined Benefit Plan

EIN 13-3069067 • Brooklyn, NY • 57 filings • 6 plans

1449 37th Street, Ste. 318Brooklyn, NY 11218
Current Snapshot

Latest Year

2024

2024 Participants

14

2024 Assets

$4,536,062

2024 Contributions

$168,017

Historical Graphs

Total Assets Over Time

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

$6,176,350$3,088,175$0199920122024YearValue
$4,536,062Latest year 2024

Participants Over Time

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

1890199920122024YearValue
14Latest year 2024

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
2024214$4,536,062$168,017$12,001iApproximate average salary by contribution assumption: employee only about $300,030 at 4% or $200,020 at 6%; with 50% employer match about $200,020 at 4% or $133,347 at 6%; with 100% employer match about $150,015 at 4% or $100,010 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-6$3,469,675$128,379$21,397iApproximate average salary by contribution assumption: employee only about $534,913 at 4% or $356,608 at 6%; with 50% employer match about $356,608 at 4% or $237,739 at 6%; with 100% employer match about $267,456 at 4% or $178,304 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$1,066,387$39,638$2,831iApproximate average salary by contribution assumption: employee only about $70,782 at 4% or $47,188 at 6%; with 50% employer match about $47,188 at 4% or $31,459 at 6%; with 100% employer match about $35,391 at 4% or $23,594 at 6%.
2023214$5,275,444$171,110$12,222iApproximate average salary by contribution assumption: employee only about $305,554 at 4% or $203,702 at 6%; with 50% employer match about $203,702 at 4% or $135,802 at 6%; with 100% employer match about $152,777 at 4% or $101,851 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-6$4,094,339$130,000$21,667iApproximate average salary by contribution assumption: employee only about $541,667 at 4% or $361,111 at 6%; with 50% employer match about $361,111 at 4% or $240,741 at 6%; with 100% employer match about $270,833 at 4% or $180,556 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$1,181,105$41,110$2,936iApproximate average salary by contribution assumption: employee only about $73,411 at 4% or $48,940 at 6%; with 50% employer match about $48,940 at 4% or $32,627 at 6%; with 100% employer match about $36,705 at 4% or $24,470 at 6%.
2022215$5,510,199$142,734$9,516iApproximate average salary by contribution assumption: employee only about $237,890 at 4% or $158,593 at 6%; with 50% employer match about $158,593 at 4% or $105,729 at 6%; with 100% employer match about $118,945 at 4% or $79,297 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-7$4,371,811$100,000$14,286iApproximate average salary by contribution assumption: employee only about $357,143 at 4% or $238,095 at 6%; with 50% employer match about $238,095 at 4% or $158,730 at 6%; with 100% employer match about $178,571 at 4% or $119,048 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$1,138,388$42,734$2,849iApproximate average salary by contribution assumption: employee only about $71,223 at 4% or $47,482 at 6%; with 50% employer match about $47,482 at 4% or $31,655 at 6%; with 100% employer match about $35,612 at 4% or $23,741 at 6%.
2021215$6,176,350$341,859$22,791iApproximate average salary by contribution assumption: employee only about $569,765 at 4% or $379,843 at 6%; with 50% employer match about $379,843 at 4% or $253,229 at 6%; with 100% employer match about $284,883 at 4% or $189,922 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-7$5,117,826$300,000$42,857iApproximate average salary by contribution assumption: employee only about $1,071,429 at 4% or $714,286 at 6%; with 50% employer match about $714,286 at 4% or $476,190 at 6%; with 100% employer match about $535,714 at 4% or $357,143 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$1,058,524$41,859$2,791iApproximate average salary by contribution assumption: employee only about $69,765 at 4% or $46,510 at 6%; with 50% employer match about $46,510 at 4% or $31,007 at 6%; with 100% employer match about $34,883 at 4% or $23,255 at 6%.
2020215$4,657,768$289,000$19,267iApproximate average salary by contribution assumption: employee only about $481,667 at 4% or $321,111 at 6%; with 50% employer match about $321,111 at 4% or $214,074 at 6%; with 100% employer match about $240,833 at 4% or $160,556 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-7$3,660,589$250,000$35,714iApproximate average salary by contribution assumption: employee only about $892,857 at 4% or $595,238 at 6%; with 50% employer match about $595,238 at 4% or $396,825 at 6%; with 100% employer match about $446,429 at 4% or $297,619 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$997,179$39,000$2,600iApproximate average salary by contribution assumption: employee only about $65,000 at 4% or $43,333 at 6%; with 50% employer match about $43,333 at 4% or $28,889 at 6%; with 100% employer match about $32,500 at 4% or $21,667 at 6%.
2019215$4,616,682$296,243$19,750iApproximate average salary by contribution assumption: employee only about $493,738 at 4% or $329,159 at 6%; with 50% employer match about $329,159 at 4% or $219,439 at 6%; with 100% employer match about $246,869 at 4% or $164,579 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-7$3,746,466$251,000$35,857iApproximate average salary by contribution assumption: employee only about $896,429 at 4% or $597,619 at 6%; with 50% employer match about $597,619 at 4% or $398,413 at 6%; with 100% employer match about $448,214 at 4% or $298,810 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$870,216$45,243$3,016iApproximate average salary by contribution assumption: employee only about $75,405 at 4% or $50,270 at 6%; with 50% employer match about $50,270 at 4% or $33,513 at 6%; with 100% employer match about $37,703 at 4% or $25,135 at 6%.
2018215$4,315,547$134,069$8,938iApproximate average salary by contribution assumption: employee only about $223,448 at 4% or $148,966 at 6%; with 50% employer match about $148,966 at 4% or $99,310 at 6%; with 100% employer match about $111,724 at 4% or $74,483 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-7$3,530,323$100,000$14,286iApproximate average salary by contribution assumption: employee only about $357,143 at 4% or $238,095 at 6%; with 50% employer match about $238,095 at 4% or $158,730 at 6%; with 100% employer match about $178,571 at 4% or $119,048 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$785,224$34,069$2,271iApproximate average salary by contribution assumption: employee only about $56,782 at 4% or $37,854 at 6%; with 50% employer match about $37,854 at 4% or $25,236 at 6%; with 100% employer match about $28,391 at 4% or $18,927 at 6%.
2017216$4,873,438$98,985$6,187iApproximate average salary by contribution assumption: employee only about $154,664 at 4% or $103,109 at 6%; with 50% employer match about $103,109 at 4% or $68,740 at 6%; with 100% employer match about $77,332 at 4% or $51,555 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-8$4,157,434$65,000$8,125iApproximate average salary by contribution assumption: employee only about $203,125 at 4% or $135,417 at 6%; with 50% employer match about $135,417 at 4% or $90,278 at 6%; with 100% employer match about $101,563 at 4% or $67,708 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-16$716,004$33,985$2,124iApproximate average salary by contribution assumption: employee only about $53,102 at 4% or $35,401 at 6%; with 50% employer match about $35,401 at 4% or $23,601 at 6%; with 100% employer match about $26,551 at 4% or $17,701 at 6%.
2016216$4,998,708$34,677$2,167iApproximate average salary by contribution assumption: employee only about $54,183 at 4% or $36,122 at 6%; with 50% employer match about $36,122 at 4% or $24,081 at 6%; with 100% employer match about $27,091 at 4% or $18,061 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-9$4,314,772--
Albert David Pearls & Gems Inc. Profit Sharing Plan-16$683,936$34,677$2,167iApproximate average salary by contribution assumption: employee only about $54,183 at 4% or $36,122 at 6%; with 50% employer match about $36,122 at 4% or $24,081 at 6%; with 100% employer match about $27,091 at 4% or $18,061 at 6%.
2015215$5,015,812$39,161$2,611iApproximate average salary by contribution assumption: employee only about $65,268 at 4% or $43,512 at 6%; with 50% employer match about $43,512 at 4% or $29,008 at 6%; with 100% employer match about $32,634 at 4% or $21,756 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-9$4,379,154--
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$636,658$39,161$2,611iApproximate average salary by contribution assumption: employee only about $65,268 at 4% or $43,512 at 6%; with 50% employer match about $43,512 at 4% or $29,008 at 6%; with 100% employer match about $32,634 at 4% or $21,756 at 6%.
2014215$4,656,349$144,902$9,660iApproximate average salary by contribution assumption: employee only about $241,503 at 4% or $161,002 at 6%; with 50% employer match about $161,002 at 4% or $107,335 at 6%; with 100% employer match about $120,752 at 4% or $80,501 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-9$4,058,723$100,000$11,111iApproximate average salary by contribution assumption: employee only about $277,778 at 4% or $185,185 at 6%; with 50% employer match about $185,185 at 4% or $123,457 at 6%; with 100% employer match about $138,889 at 4% or $92,593 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$597,626$44,902$2,993iApproximate average salary by contribution assumption: employee only about $74,837 at 4% or $49,891 at 6%; with 50% employer match about $49,891 at 4% or $33,261 at 6%; with 100% employer match about $37,418 at 4% or $24,946 at 6%.
2013214$3,586,716$196,747$14,053iApproximate average salary by contribution assumption: employee only about $351,334 at 4% or $234,223 at 6%; with 50% employer match about $234,223 at 4% or $156,148 at 6%; with 100% employer match about $175,667 at 4% or $117,111 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-9$3,068,385$150,000$16,667iApproximate average salary by contribution assumption: employee only about $416,667 at 4% or $277,778 at 6%; with 50% employer match about $277,778 at 4% or $185,185 at 6%; with 100% employer match about $208,333 at 4% or $138,889 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$518,331$46,747$3,339iApproximate average salary by contribution assumption: employee only about $83,477 at 4% or $55,651 at 6%; with 50% employer match about $55,651 at 4% or $37,101 at 6%; with 100% employer match about $41,738 at 4% or $27,826 at 6%.
2012214$2,865,768$201,181$14,370iApproximate average salary by contribution assumption: employee only about $359,252 at 4% or $239,501 at 6%; with 50% employer match about $239,501 at 4% or $159,667 at 6%; with 100% employer match about $179,626 at 4% or $119,751 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-8$2,407,151$160,000$20,000iApproximate average salary by contribution assumption: employee only about $500,000 at 4% or $333,333 at 6%; with 50% employer match about $333,333 at 4% or $222,222 at 6%; with 100% employer match about $250,000 at 4% or $166,667 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$458,617$41,181$2,942iApproximate average salary by contribution assumption: employee only about $73,538 at 4% or $49,025 at 6%; with 50% employer match about $49,025 at 4% or $32,683 at 6%; with 100% employer match about $36,769 at 4% or $24,513 at 6%.
2011214$3,099,400$280,524$20,037iApproximate average salary by contribution assumption: employee only about $500,936 at 4% or $333,957 at 6%; with 50% employer match about $333,957 at 4% or $222,638 at 6%; with 100% employer match about $250,468 at 4% or $166,979 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-8$2,730,051$235,000$29,375iApproximate average salary by contribution assumption: employee only about $734,375 at 4% or $489,583 at 6%; with 50% employer match about $489,583 at 4% or $326,389 at 6%; with 100% employer match about $367,188 at 4% or $244,792 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$369,349$45,524$3,252iApproximate average salary by contribution assumption: employee only about $81,293 at 4% or $54,195 at 6%; with 50% employer match about $54,195 at 4% or $36,130 at 6%; with 100% employer match about $40,646 at 4% or $27,098 at 6%.
2010212$3,097,922$260,545$21,712iApproximate average salary by contribution assumption: employee only about $542,802 at 4% or $361,868 at 6%; with 50% employer match about $361,868 at 4% or $241,245 at 6%; with 100% employer match about $271,401 at 4% or $180,934 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-10$2,718,222$230,000$23,000iApproximate average salary by contribution assumption: employee only about $575,000 at 4% or $383,333 at 6%; with 50% employer match about $383,333 at 4% or $255,556 at 6%; with 100% employer match about $287,500 at 4% or $191,667 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-12$379,700$30,545$2,545iApproximate average salary by contribution assumption: employee only about $63,635 at 4% or $42,424 at 6%; with 50% employer match about $42,424 at 4% or $28,282 at 6%; with 100% employer match about $31,818 at 4% or $21,212 at 6%.
2009212$2,911,043$341,900$28,492iApproximate average salary by contribution assumption: employee only about $712,292 at 4% or $474,861 at 6%; with 50% employer match about $474,861 at 4% or $316,574 at 6%; with 100% employer match about $356,146 at 4% or $237,431 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-12$2,564,587$300,000$25,000iApproximate average salary by contribution assumption: employee only about $625,000 at 4% or $416,667 at 6%; with 50% employer match about $416,667 at 4% or $277,778 at 6%; with 100% employer match about $312,500 at 4% or $208,333 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-12$346,456$41,900$3,492iApproximate average salary by contribution assumption: employee only about $87,292 at 4% or $58,194 at 6%; with 50% employer match about $58,194 at 4% or $38,796 at 6%; with 100% employer match about $43,646 at 4% or $29,097 at 6%.
2008312$3,461,243$457,458$38,122iApproximate average salary by contribution assumption: employee only about $953,038 at 4% or $635,358 at 6%; with 50% employer match about $635,358 at 4% or $423,572 at 6%; with 100% employer match about $476,519 at 4% or $317,679 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-12$2,292,218$195,000$16,250iApproximate average salary by contribution assumption: employee only about $406,250 at 4% or $270,833 at 6%; with 50% employer match about $270,833 at 4% or $180,556 at 6%; with 100% employer match about $203,125 at 4% or $135,417 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-10$839,348$223,000$22,300iApproximate average salary by contribution assumption: employee only about $557,500 at 4% or $371,667 at 6%; with 50% employer match about $371,667 at 4% or $247,778 at 6%; with 100% employer match about $278,750 at 4% or $185,833 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-12$329,677$39,458$3,288iApproximate average salary by contribution assumption: employee only about $82,204 at 4% or $54,803 at 6%; with 50% employer match about $54,803 at 4% or $36,535 at 6%; with 100% employer match about $41,102 at 4% or $27,401 at 6%.
2007313$811,791$222,769$17,136iApproximate average salary by contribution assumption: employee only about $428,402 at 4% or $285,601 at 6%; with 50% employer match about $285,601 at 4% or $190,401 at 6%; with 100% employer match about $214,201 at 4% or $142,801 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-10$811,791$222,769$22,277iApproximate average salary by contribution assumption: employee only about $556,923 at 4% or $371,282 at 6%; with 50% employer match about $371,282 at 4% or $247,521 at 6%; with 100% employer match about $278,461 at 4% or $185,641 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-11---
Albert David Pearls & Gems Inc. Profit Sharing Plan-13---
2006313$3,060,718$209,500$16,115iApproximate average salary by contribution assumption: employee only about $402,885 at 4% or $268,590 at 6%; with 50% employer match about $268,590 at 4% or $179,060 at 6%; with 100% employer match about $201,442 at 4% or $134,295 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-11$2,146,665--
Albert David Pearls & Gems Inc. Profit Sharing Plan-10$588,109$170,038$17,004iApproximate average salary by contribution assumption: employee only about $425,095 at 4% or $283,397 at 6%; with 50% employer match about $283,397 at 4% or $188,931 at 6%; with 100% employer match about $212,548 at 4% or $141,698 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-13$325,944$39,462$3,036iApproximate average salary by contribution assumption: employee only about $75,888 at 4% or $50,592 at 6%; with 50% employer match about $50,592 at 4% or $33,728 at 6%; with 100% employer match about $37,944 at 4% or $25,296 at 6%.
2005313$2,473,426$347,682$26,745iApproximate average salary by contribution assumption: employee only about $668,619 at 4% or $445,746 at 6%; with 50% employer match about $445,746 at 4% or $297,164 at 6%; with 100% employer match about $334,310 at 4% or $222,873 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-13$1,796,392$189,000$14,538iApproximate average salary by contribution assumption: employee only about $363,462 at 4% or $242,308 at 6%; with 50% employer match about $242,308 at 4% or $161,538 at 6%; with 100% employer match about $181,731 at 4% or $121,154 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-11$388,472$120,665$10,970iApproximate average salary by contribution assumption: employee only about $274,239 at 4% or $182,826 at 6%; with 50% employer match about $182,826 at 4% or $121,884 at 6%; with 100% employer match about $137,119 at 4% or $91,413 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-13$288,562$38,017$2,924iApproximate average salary by contribution assumption: employee only about $73,110 at 4% or $48,740 at 6%; with 50% employer match about $48,740 at 4% or $32,493 at 6%; with 100% employer match about $36,555 at 4% or $24,370 at 6%.
2004315$2,005,707$396,547$26,436iApproximate average salary by contribution assumption: employee only about $660,912 at 4% or $440,608 at 6%; with 50% employer match about $440,608 at 4% or $293,739 at 6%; with 100% employer match about $330,456 at 4% or $220,304 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-12$1,518,078$281,734$23,478iApproximate average salary by contribution assumption: employee only about $586,946 at 4% or $391,297 at 6%; with 50% employer match about $391,297 at 4% or $260,865 at 6%; with 100% employer match about $293,473 at 4% or $195,649 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-11$251,005$76,547$6,959iApproximate average salary by contribution assumption: employee only about $173,970 at 4% or $115,980 at 6%; with 50% employer match about $115,980 at 4% or $77,320 at 6%; with 100% employer match about $86,985 at 4% or $57,990 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-15$236,624$38,266$2,551iApproximate average salary by contribution assumption: employee only about $63,777 at 4% or $42,518 at 6%; with 50% employer match about $42,518 at 4% or $28,345 at 6%; with 100% employer match about $31,888 at 4% or $21,259 at 6%.
2003214$1,483,370$320,000$22,857iApproximate average salary by contribution assumption: employee only about $571,429 at 4% or $380,952 at 6%; with 50% employer match about $380,952 at 4% or $253,968 at 6%; with 100% employer match about $285,714 at 4% or $190,476 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-12$1,278,283$283,601$23,633iApproximate average salary by contribution assumption: employee only about $590,835 at 4% or $393,890 at 6%; with 50% employer match about $393,890 at 4% or $262,594 at 6%; with 100% employer match about $295,418 at 4% or $196,945 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-14$205,087$36,399$2,600iApproximate average salary by contribution assumption: employee only about $64,998 at 4% or $43,332 at 6%; with 50% employer match about $43,332 at 4% or $28,888 at 6%; with 100% employer match about $32,499 at 4% or $21,666 at 6%.
2002218$1,268,304$297,468$16,526iApproximate average salary by contribution assumption: employee only about $413,150 at 4% or $275,433 at 6%; with 50% employer match about $275,433 at 4% or $183,622 at 6%; with 100% employer match about $206,575 at 4% or $137,717 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-11$1,084,401$260,805$23,710iApproximate average salary by contribution assumption: employee only about $592,739 at 4% or $395,159 at 6%; with 50% employer match about $395,159 at 4% or $263,439 at 6%; with 100% employer match about $296,369 at 4% or $197,580 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-18$183,903$36,663$2,037iApproximate average salary by contribution assumption: employee only about $50,921 at 4% or $33,947 at 6%; with 50% employer match about $33,947 at 4% or $22,631 at 6%; with 100% employer match about $25,460 at 4% or $16,974 at 6%.
2001218$0$0-
Albert David Pearls & Gems Inc. Defined Benefit Plan-11---
Albert David Pearls & Gems Inc. Profit Sharing Plan-18---
2000218$144,322$32,025$1,779iApproximate average salary by contribution assumption: employee only about $44,479 at 4% or $29,653 at 6%; with 50% employer match about $29,653 at 4% or $19,769 at 6%; with 100% employer match about $22,240 at 4% or $14,826 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-18$144,322$32,025$1,779iApproximate average salary by contribution assumption: employee only about $44,479 at 4% or $29,653 at 6%; with 50% employer match about $29,653 at 4% or $19,769 at 6%; with 100% employer match about $22,240 at 4% or $14,826 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-11---
1999216$904,934$103,590$6,474iApproximate average salary by contribution assumption: employee only about $161,859 at 4% or $107,906 at 6%; with 50% employer match about $107,906 at 4% or $71,938 at 6%; with 100% employer match about $80,930 at 4% or $53,953 at 6%.
Albert David Pearls & Gems Inc. Defined Benefit Plan-8$793,806$75,665$9,458iApproximate average salary by contribution assumption: employee only about $236,453 at 4% or $157,635 at 6%; with 50% employer match about $157,635 at 4% or $105,090 at 6%; with 100% employer match about $118,227 at 4% or $78,818 at 6%.
Albert David Pearls & Gems Inc. Profit Sharing Plan-16$111,128$27,925$1,745iApproximate average salary by contribution assumption: employee only about $43,633 at 4% or $29,089 at 6%; with 50% employer match about $29,089 at 4% or $19,392 at 6%; with 100% employer match about $21,816 at 4% or $14,544 at 6%.