Civic Intelligence

Structural Associates Inc.

Plan context: Structural Associates Inc. 401(K) Salary Savings Plan

EIN 16-1054769 • East Syracuse, NY • 52 filings • 7 plans

5903 Fisher RoadEast Syracuse, NY 13057
Current Snapshot

Latest Year

2024

2024 Participants

34

2024 Assets

$12,764,230

2024 Contributions

$504,171

Historical Graphs

Total Assets Over Time

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

$14,024,423$7,012,212$0199920122024YearValue
$12,764,230Latest year 2024

Participants Over Time

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

175880199920122024YearValue
34Latest 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
2024234$12,764,230$504,171$14,829iApproximate average salary by contribution assumption: employee only about $370,714 at 4% or $247,143 at 6%; with 50% employer match about $247,143 at 4% or $164,762 at 6%; with 100% employer match about $185,357 at 4% or $123,571 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-34$10,640,830$250,680$7,373iApproximate average salary by contribution assumption: employee only about $184,324 at 4% or $122,882 at 6%; with 50% employer match about $122,882 at 4% or $81,922 at 6%; with 100% employer match about $92,162 at 4% or $61,441 at 6%.
Structural Associates Inc. Retirement Plan-33$2,123,400$253,491$7,682iApproximate average salary by contribution assumption: employee only about $192,039 at 4% or $128,026 at 6%; with 50% employer match about $128,026 at 4% or $85,351 at 6%; with 100% employer match about $96,019 at 4% or $64,013 at 6%.
2023242$11,823,628$877,729$20,898iApproximate average salary by contribution assumption: employee only about $522,458 at 4% or $348,305 at 6%; with 50% employer match about $348,305 at 4% or $232,203 at 6%; with 100% employer match about $261,229 at 4% or $174,153 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-35$9,869,116$309,931$8,855iApproximate average salary by contribution assumption: employee only about $221,379 at 4% or $147,586 at 6%; with 50% employer match about $147,586 at 4% or $98,391 at 6%; with 100% employer match about $110,690 at 4% or $73,793 at 6%.
Structural Associates Inc. Retirement Plan-42$1,954,512$567,798$13,519iApproximate average salary by contribution assumption: employee only about $337,975 at 4% or $225,317 at 6%; with 50% employer match about $225,317 at 4% or $150,211 at 6%; with 100% employer match about $168,988 at 4% or $112,658 at 6%.
2022242$10,084,261$561,553$13,370iApproximate average salary by contribution assumption: employee only about $334,258 at 4% or $222,838 at 6%; with 50% employer match about $222,838 at 4% or $148,559 at 6%; with 100% employer match about $167,129 at 4% or $111,419 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-39$8,197,765$252,196$6,467iApproximate average salary by contribution assumption: employee only about $161,664 at 4% or $107,776 at 6%; with 50% employer match about $107,776 at 4% or $71,851 at 6%; with 100% employer match about $80,832 at 4% or $53,888 at 6%.
Structural Associates Inc. Retirement Plan-42$1,886,496$309,357$7,366iApproximate average salary by contribution assumption: employee only about $184,141 at 4% or $122,761 at 6%; with 50% employer match about $122,761 at 4% or $81,840 at 6%; with 100% employer match about $92,071 at 4% or $61,380 at 6%.
2021242$14,024,423$488,577$11,633iApproximate average salary by contribution assumption: employee only about $290,820 at 4% or $193,880 at 6%; with 50% employer match about $193,880 at 4% or $129,253 at 6%; with 100% employer match about $145,410 at 4% or $96,940 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-34$11,781,543$212,749$6,257iApproximate average salary by contribution assumption: employee only about $156,433 at 4% or $104,289 at 6%; with 50% employer match about $104,289 at 4% or $69,526 at 6%; with 100% employer match about $78,217 at 4% or $52,144 at 6%.
Structural Associates Inc. Retirement Plan-42$2,242,880$275,828$6,567iApproximate average salary by contribution assumption: employee only about $164,183 at 4% or $109,456 at 6%; with 50% employer match about $109,456 at 4% or $72,970 at 6%; with 100% employer match about $82,092 at 4% or $54,728 at 6%.
2020236$12,051,070$346,060$9,613iApproximate average salary by contribution assumption: employee only about $240,319 at 4% or $160,213 at 6%; with 50% employer match about $160,213 at 4% or $106,809 at 6%; with 100% employer match about $120,160 at 4% or $80,106 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-33$9,800,896$228,569$6,926iApproximate average salary by contribution assumption: employee only about $173,158 at 4% or $115,439 at 6%; with 50% employer match about $115,439 at 4% or $76,959 at 6%; with 100% employer match about $86,579 at 4% or $57,719 at 6%.
Structural Associates Inc. Retirement Plan-36$2,250,174$117,491$3,264iApproximate average salary by contribution assumption: employee only about $81,591 at 4% or $54,394 at 6%; with 50% employer match about $54,394 at 4% or $36,263 at 6%; with 100% employer match about $40,795 at 4% or $27,197 at 6%.
2019242$10,025,121$575,455$13,701iApproximate average salary by contribution assumption: employee only about $342,533 at 4% or $228,355 at 6%; with 50% employer match about $228,355 at 4% or $152,237 at 6%; with 100% employer match about $171,266 at 4% or $114,178 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-36$7,922,572$229,478$6,374iApproximate average salary by contribution assumption: employee only about $159,360 at 4% or $106,240 at 6%; with 50% employer match about $106,240 at 4% or $70,827 at 6%; with 100% employer match about $79,680 at 4% or $53,120 at 6%.
Structural Associates Inc. Retirement Plan-42$2,102,549$345,977$8,238iApproximate average salary by contribution assumption: employee only about $205,939 at 4% or $137,292 at 6%; with 50% employer match about $137,292 at 4% or $91,528 at 6%; with 100% employer match about $102,969 at 4% or $68,646 at 6%.
2018255$7,691,962$447,852$8,143iApproximate average salary by contribution assumption: employee only about $203,569 at 4% or $135,713 at 6%; with 50% employer match about $135,713 at 4% or $90,475 at 6%; with 100% employer match about $101,785 at 4% or $67,856 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-35$6,097,094$195,173$5,576iApproximate average salary by contribution assumption: employee only about $139,409 at 4% or $92,940 at 6%; with 50% employer match about $92,940 at 4% or $61,960 at 6%; with 100% employer match about $69,705 at 4% or $46,470 at 6%.
Structural Associates Inc. Retirement Plan-55$1,594,868$252,679$4,594iApproximate average salary by contribution assumption: employee only about $114,854 at 4% or $76,569 at 6%; with 50% employer match about $76,569 at 4% or $51,046 at 6%; with 100% employer match about $57,427 at 4% or $38,285 at 6%.
2017249$8,013,784$403,510$8,235iApproximate average salary by contribution assumption: employee only about $205,872 at 4% or $137,248 at 6%; with 50% employer match about $137,248 at 4% or $91,499 at 6%; with 100% employer match about $102,936 at 4% or $68,624 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-34$6,289,787$171,820$5,054iApproximate average salary by contribution assumption: employee only about $126,338 at 4% or $84,225 at 6%; with 50% employer match about $84,225 at 4% or $56,150 at 6%; with 100% employer match about $63,169 at 4% or $42,113 at 6%.
Structural Associates Inc. Retirement Plan-49$1,723,997$231,690$4,728iApproximate average salary by contribution assumption: employee only about $118,209 at 4% or $78,806 at 6%; with 50% employer match about $78,806 at 4% or $52,537 at 6%; with 100% employer match about $59,105 at 4% or $39,403 at 6%.
2016250$7,051,693$366,012$7,320iApproximate average salary by contribution assumption: employee only about $183,006 at 4% or $122,004 at 6%; with 50% employer match about $122,004 at 4% or $81,336 at 6%; with 100% employer match about $91,503 at 4% or $61,002 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-32$5,660,250$157,064$4,908iApproximate average salary by contribution assumption: employee only about $122,706 at 4% or $81,804 at 6%; with 50% employer match about $81,804 at 4% or $54,536 at 6%; with 100% employer match about $61,353 at 4% or $40,902 at 6%.
Structural Associates Inc. Retirement Plan-50$1,391,443$208,948$4,179iApproximate average salary by contribution assumption: employee only about $104,474 at 4% or $69,649 at 6%; with 50% employer match about $69,649 at 4% or $46,433 at 6%; with 100% employer match about $52,237 at 4% or $34,825 at 6%.
2015252$6,416,680$401,235$7,716iApproximate average salary by contribution assumption: employee only about $192,901 at 4% or $128,601 at 6%; with 50% employer match about $128,601 at 4% or $85,734 at 6%; with 100% employer match about $96,451 at 4% or $64,300 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-33$5,098,047$207,386$6,284iApproximate average salary by contribution assumption: employee only about $157,111 at 4% or $104,740 at 6%; with 50% employer match about $104,740 at 4% or $69,827 at 6%; with 100% employer match about $78,555 at 4% or $52,370 at 6%.
Structural Associates Inc. Retirement Plan-52$1,318,633$193,849$3,728iApproximate average salary by contribution assumption: employee only about $93,197 at 4% or $62,131 at 6%; with 50% employer match about $62,131 at 4% or $41,421 at 6%; with 100% employer match about $46,598 at 4% or $31,066 at 6%.
2014251$6,183,562$402,116$7,885iApproximate average salary by contribution assumption: employee only about $197,116 at 4% or $131,410 at 6%; with 50% employer match about $131,410 at 4% or $87,607 at 6%; with 100% employer match about $98,558 at 4% or $65,705 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-34$4,892,197$120,223$3,536iApproximate average salary by contribution assumption: employee only about $88,399 at 4% or $58,933 at 6%; with 50% employer match about $58,933 at 4% or $39,289 at 6%; with 100% employer match about $44,200 at 4% or $29,466 at 6%.
Structural Associates Inc. Retirement Plan-51$1,291,365$281,893$5,527iApproximate average salary by contribution assumption: employee only about $138,183 at 4% or $92,122 at 6%; with 50% employer match about $92,122 at 4% or $61,415 at 6%; with 100% employer match about $69,091 at 4% or $46,061 at 6%.
2013252$6,086,955$367,101$7,060iApproximate average salary by contribution assumption: employee only about $176,491 at 4% or $117,661 at 6%; with 50% employer match about $117,661 at 4% or $78,440 at 6%; with 100% employer match about $88,245 at 4% or $58,830 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-29$4,958,364$158,320$5,459iApproximate average salary by contribution assumption: employee only about $136,483 at 4% or $90,989 at 6%; with 50% employer match about $90,989 at 4% or $60,659 at 6%; with 100% employer match about $68,241 at 4% or $45,494 at 6%.
Structural Associates Inc. Retirement Plan-52$1,128,591$208,781$4,015iApproximate average salary by contribution assumption: employee only about $100,375 at 4% or $66,917 at 6%; with 50% employer match about $66,917 at 4% or $44,611 at 6%; with 100% employer match about $50,188 at 4% or $33,458 at 6%.
2012254$4,855,344$267,800$4,959iApproximate average salary by contribution assumption: employee only about $123,981 at 4% or $82,654 at 6%; with 50% employer match about $82,654 at 4% or $55,103 at 6%; with 100% employer match about $61,991 at 4% or $41,327 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-28$3,876,490$106,279$3,796iApproximate average salary by contribution assumption: employee only about $94,892 at 4% or $63,261 at 6%; with 50% employer match about $63,261 at 4% or $42,174 at 6%; with 100% employer match about $47,446 at 4% or $31,631 at 6%.
Structural Associates Inc. Retirement Plan-54$978,854$161,521$2,991iApproximate average salary by contribution assumption: employee only about $74,778 at 4% or $49,852 at 6%; with 50% employer match about $49,852 at 4% or $33,235 at 6%; with 100% employer match about $37,389 at 4% or $24,926 at 6%.
2011240$4,161,964$157,646$3,941iApproximate average salary by contribution assumption: employee only about $98,529 at 4% or $65,686 at 6%; with 50% employer match about $65,686 at 4% or $43,791 at 6%; with 100% employer match about $49,264 at 4% or $32,843 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-33$3,377,596$117,205$3,552iApproximate average salary by contribution assumption: employee only about $88,792 at 4% or $59,194 at 6%; with 50% employer match about $59,194 at 4% or $39,463 at 6%; with 100% employer match about $44,396 at 4% or $29,597 at 6%.
Structural Associates Inc. Retirement Plan-40$784,368$40,441$1,011iApproximate average salary by contribution assumption: employee only about $25,276 at 4% or $16,850 at 6%; with 50% employer match about $16,850 at 4% or $11,234 at 6%; with 100% employer match about $12,638 at 4% or $8,425 at 6%.
2010267$4,620,880$199,474$2,977iApproximate average salary by contribution assumption: employee only about $74,431 at 4% or $49,620 at 6%; with 50% employer match about $49,620 at 4% or $33,080 at 6%; with 100% employer match about $37,215 at 4% or $24,810 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-35$3,561,923$160,775$4,594iApproximate average salary by contribution assumption: employee only about $114,839 at 4% or $76,560 at 6%; with 50% employer match about $76,560 at 4% or $51,040 at 6%; with 100% employer match about $57,420 at 4% or $38,280 at 6%.
Structural Associates Inc. Retirement Plan-67$1,058,957$38,699$578iApproximate average salary by contribution assumption: employee only about $14,440 at 4% or $9,627 at 6%; with 50% employer match about $9,627 at 4% or $6,418 at 6%; with 100% employer match about $7,220 at 4% or $4,813 at 6%.
2009267$4,320,001$706,503$10,545iApproximate average salary by contribution assumption: employee only about $263,621 at 4% or $175,747 at 6%; with 50% employer match about $175,747 at 4% or $117,165 at 6%; with 100% employer match about $131,810 at 4% or $87,874 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-36$3,048,257$215,769$5,994iApproximate average salary by contribution assumption: employee only about $149,840 at 4% or $99,893 at 6%; with 50% employer match about $99,893 at 4% or $66,595 at 6%; with 100% employer match about $74,920 at 4% or $49,947 at 6%.
Structural Associates Inc. Retirement Plan-67$1,271,744$490,734$7,324iApproximate average salary by contribution assumption: employee only about $183,110 at 4% or $122,073 at 6%; with 50% employer match about $122,073 at 4% or $81,382 at 6%; with 100% employer match about $91,555 at 4% or $61,037 at 6%.
20082119$3,779,814$748,591$6,291iApproximate average salary by contribution assumption: employee only about $157,267 at 4% or $104,845 at 6%; with 50% employer match about $104,845 at 4% or $69,896 at 6%; with 100% employer match about $78,634 at 4% or $52,422 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-32$2,221,566$202,940$6,342iApproximate average salary by contribution assumption: employee only about $158,547 at 4% or $105,698 at 6%; with 50% employer match about $105,698 at 4% or $70,465 at 6%; with 100% employer match about $79,273 at 4% or $52,849 at 6%.
Structural Associates Inc. Retirement Plan-119$1,558,248$545,651$4,585iApproximate average salary by contribution assumption: employee only about $114,633 at 4% or $76,422 at 6%; with 50% employer match about $76,422 at 4% or $50,948 at 6%; with 100% employer match about $57,316 at 4% or $38,211 at 6%.
2007296$4,539,191$396,410$4,129iApproximate average salary by contribution assumption: employee only about $103,232 at 4% or $68,821 at 6%; with 50% employer match about $68,821 at 4% or $45,881 at 6%; with 100% employer match about $51,616 at 4% or $34,411 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-27$3,099,348$203,670$7,543iApproximate average salary by contribution assumption: employee only about $188,583 at 4% or $125,722 at 6%; with 50% employer match about $125,722 at 4% or $83,815 at 6%; with 100% employer match about $94,292 at 4% or $62,861 at 6%.
Structural Associates Inc. Retirement Plan-96$1,439,843$192,740$2,008iApproximate average salary by contribution assumption: employee only about $50,193 at 4% or $33,462 at 6%; with 50% employer match about $33,462 at 4% or $22,308 at 6%; with 100% employer match about $25,096 at 4% or $16,731 at 6%.
2006233$4,006,956$462,783$14,024iApproximate average salary by contribution assumption: employee only about $350,593 at 4% or $233,729 at 6%; with 50% employer match about $233,729 at 4% or $155,819 at 6%; with 100% employer match about $175,297 at 4% or $116,864 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-27$2,656,513$179,639$6,653iApproximate average salary by contribution assumption: employee only about $166,332 at 4% or $110,888 at 6%; with 50% employer match about $110,888 at 4% or $73,926 at 6%; with 100% employer match about $83,166 at 4% or $55,444 at 6%.
Structural Associates Inc. Retirement Plan-33$1,350,443$283,144$8,580iApproximate average salary by contribution assumption: employee only about $214,503 at 4% or $143,002 at 6%; with 50% employer match about $143,002 at 4% or $95,335 at 6%; with 100% employer match about $107,252 at 4% or $71,501 at 6%.
20052170$3,487,578$311,530$1,833iApproximate average salary by contribution assumption: employee only about $45,813 at 4% or $30,542 at 6%; with 50% employer match about $30,542 at 4% or $20,361 at 6%; with 100% employer match about $22,907 at 4% or $15,271 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-26$2,163,504$158,354$6,091iApproximate average salary by contribution assumption: employee only about $152,263 at 4% or $101,509 at 6%; with 50% employer match about $101,509 at 4% or $67,673 at 6%; with 100% employer match about $76,132 at 4% or $50,754 at 6%.
Structural Associates Inc. Retirement Plan-170$1,324,074$153,176$901iApproximate average salary by contribution assumption: employee only about $22,526 at 4% or $15,017 at 6%; with 50% employer match about $15,017 at 4% or $10,012 at 6%; with 100% employer match about $11,263 at 4% or $7,509 at 6%.
20042175$3,045,941$337,843$1,931iApproximate average salary by contribution assumption: employee only about $48,263 at 4% or $32,176 at 6%; with 50% employer match about $32,176 at 4% or $21,450 at 6%; with 100% employer match about $24,132 at 4% or $16,088 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-26$1,858,632$177,556$6,829iApproximate average salary by contribution assumption: employee only about $170,727 at 4% or $113,818 at 6%; with 50% employer match about $113,818 at 4% or $75,879 at 6%; with 100% employer match about $85,363 at 4% or $56,909 at 6%.
Structural Associates Inc. Retirement Plan-175$1,187,309$160,287$916iApproximate average salary by contribution assumption: employee only about $22,898 at 4% or $15,265 at 6%; with 50% employer match about $15,265 at 4% or $10,177 at 6%; with 100% employer match about $11,449 at 4% or $7,633 at 6%.
20032146$2,609,982$249,891$1,712iApproximate average salary by contribution assumption: employee only about $42,790 at 4% or $28,526 at 6%; with 50% employer match about $28,526 at 4% or $19,018 at 6%; with 100% employer match about $21,395 at 4% or $14,263 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-23$1,501,328$123,900$5,387iApproximate average salary by contribution assumption: employee only about $134,674 at 4% or $89,783 at 6%; with 50% employer match about $89,783 at 4% or $59,855 at 6%; with 100% employer match about $67,337 at 4% or $44,891 at 6%.
Structural Associates Inc. Retirement Plan-146$1,108,654$125,991$863iApproximate average salary by contribution assumption: employee only about $21,574 at 4% or $14,383 at 6%; with 50% employer match about $14,383 at 4% or $9,588 at 6%; with 100% employer match about $10,787 at 4% or $7,191 at 6%.
20022107$2,349,868$487,238$4,554iApproximate average salary by contribution assumption: employee only about $113,841 at 4% or $75,894 at 6%; with 50% employer match about $75,894 at 4% or $50,596 at 6%; with 100% employer match about $56,920 at 4% or $37,947 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-24$1,208,178$110,517$4,605iApproximate average salary by contribution assumption: employee only about $115,122 at 4% or $76,748 at 6%; with 50% employer match about $76,748 at 4% or $51,165 at 6%; with 100% employer match about $57,561 at 4% or $38,374 at 6%.
Structural Associates Inc. Retirement Plan-107$1,141,690$376,721$3,521iApproximate average salary by contribution assumption: employee only about $88,019 at 4% or $58,679 at 6%; with 50% employer match about $58,679 at 4% or $39,120 at 6%; with 100% employer match about $44,009 at 4% or $29,340 at 6%.
20012153$2,321,700$428,274$2,799iApproximate average salary by contribution assumption: employee only about $69,979 at 4% or $46,653 at 6%; with 50% employer match about $46,653 at 4% or $31,102 at 6%; with 100% employer match about $34,990 at 4% or $23,326 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-25$1,360,797$106,868$4,275iApproximate average salary by contribution assumption: employee only about $106,868 at 4% or $71,245 at 6%; with 50% employer match about $71,245 at 4% or $47,497 at 6%; with 100% employer match about $53,434 at 4% or $35,623 at 6%.
Structural Associates Inc. Retirement Plan-153$960,903$321,406$2,101iApproximate average salary by contribution assumption: employee only about $52,517 at 4% or $35,012 at 6%; with 50% employer match about $35,012 at 4% or $23,341 at 6%; with 100% employer match about $26,259 at 4% or $17,506 at 6%.
2000281$2,274,538$239,707$2,959iApproximate average salary by contribution assumption: employee only about $73,984 at 4% or $49,322 at 6%; with 50% employer match about $49,322 at 4% or $32,882 at 6%; with 100% employer match about $36,992 at 4% or $24,661 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-22$1,427,688$101,057$4,594iApproximate average salary by contribution assumption: employee only about $114,838 at 4% or $76,558 at 6%; with 50% employer match about $76,558 at 4% or $51,039 at 6%; with 100% employer match about $57,419 at 4% or $38,279 at 6%.
Structural Associates Inc. Retirement Plan-81$846,850$138,650$1,712iApproximate average salary by contribution assumption: employee only about $42,793 at 4% or $28,529 at 6%; with 50% employer match about $28,529 at 4% or $19,019 at 6%; with 100% employer match about $21,397 at 4% or $14,264 at 6%.
19992103$2,572,491$419,723$4,075iApproximate average salary by contribution assumption: employee only about $101,875 at 4% or $67,916 at 6%; with 50% employer match about $67,916 at 4% or $45,278 at 6%; with 100% employer match about $50,937 at 4% or $33,958 at 6%.
Structural Associates Inc. 401(K) Salary Savings Plan-25$1,395,940$89,984$3,599iApproximate average salary by contribution assumption: employee only about $89,984 at 4% or $59,989 at 6%; with 50% employer match about $59,989 at 4% or $39,993 at 6%; with 100% employer match about $44,992 at 4% or $29,995 at 6%.
Structural Associates Inc. Retirement Plan-103$1,176,551$329,739$3,201iApproximate average salary by contribution assumption: employee only about $80,034 at 4% or $53,356 at 6%; with 50% employer match about $53,356 at 4% or $35,571 at 6%; with 100% employer match about $40,017 at 4% or $26,678 at 6%.