Civic Intelligence

Nbt Bancorp Inc.

Plan context: Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan

EIN 16-1268674 • 96 filings • 11 plans

Current Snapshot

Latest Year

2024

2024 Participants

2,105

2024 Assets

$491,513,228

2024 Contributions

$25,838,177

Historical Graphs

Total Assets Over Time

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

$491,513,228$245,756,614$0200020122024YearValue
$491,513,228Latest year 2024

Participants Over Time

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

2,1051,0530200020122024YearValue
2,105Latest 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
202442,105$491,513,228$25,838,177$12,275iApproximate average salary by contribution assumption: employee only about $306,867 at 4% or $204,578 at 6%; with 50% employer match about $204,578 at 4% or $136,385 at 6%; with 100% employer match about $153,433 at 4% or $102,289 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-2,046$366,484,744$25,838,177$12,629iApproximate average salary by contribution assumption: employee only about $315,716 at 4% or $210,477 at 6%; with 50% employer match about $210,477 at 4% or $140,318 at 6%; with 100% employer match about $157,858 at 4% or $105,239 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,815$125,028,484--
Nbt Bancorp Inc. Severance Pay Plan-2,105---
Nbt Bancorp Inc. Welfare Benefit Plan-2,087---
202342,056$442,775,260$30,510,820$14,840iApproximate average salary by contribution assumption: employee only about $370,997 at 4% or $247,332 at 6%; with 50% employer match about $247,332 at 4% or $164,888 at 6%; with 100% employer match about $185,499 at 4% or $123,666 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-2,014$321,605,789$30,510,820$15,149iApproximate average salary by contribution assumption: employee only about $378,734 at 4% or $252,489 at 6%; with 50% employer match about $252,489 at 4% or $168,326 at 6%; with 100% employer match about $189,367 at 4% or $126,245 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,793$121,169,471--
Nbt Bancorp Inc. Welfare Benefit Plan-2,035---
Nbt Bancorp Inc. Severance Pay Plan-2,056---
202241,858$388,395,345$19,825,755$10,670iApproximate average salary by contribution assumption: employee only about $266,762 at 4% or $177,841 at 6%; with 50% employer match about $177,841 at 4% or $118,561 at 6%; with 100% employer match about $133,381 at 4% or $88,921 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,838$275,078,923$19,825,755$10,787iApproximate average salary by contribution assumption: employee only about $269,665 at 4% or $179,777 at 6%; with 50% employer match about $179,777 at 4% or $119,851 at 6%; with 100% employer match about $134,832 at 4% or $89,888 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,599$113,316,422--
Nbt Bancorp Inc. Severance Pay Plan-1,858---
Nbt Bancorp Inc. Welfare Benefit Plan-1,855---
202141,855$453,818,103$16,993,575$9,161iApproximate average salary by contribution assumption: employee only about $229,024 at 4% or $152,683 at 6%; with 50% employer match about $152,683 at 4% or $101,788 at 6%; with 100% employer match about $114,512 at 4% or $76,341 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,777$317,951,140$16,993,575$9,563iApproximate average salary by contribution assumption: employee only about $239,077 at 4% or $159,384 at 6%; with 50% employer match about $159,384 at 4% or $106,256 at 6%; with 100% employer match about $119,538 at 4% or $79,692 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,572$135,866,963--
Nbt Bancorp Inc. Welfare Benefit Plan-1,811---
Nbt Bancorp Inc. Severance Pay Plan-1,855---
202041,883$403,878,782$18,638,065$9,898iApproximate average salary by contribution assumption: employee only about $247,452 at 4% or $164,968 at 6%; with 50% employer match about $164,968 at 4% or $109,979 at 6%; with 100% employer match about $123,726 at 4% or $82,484 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,805$275,315,916$18,638,065$10,326iApproximate average salary by contribution assumption: employee only about $258,145 at 4% or $172,097 at 6%; with 50% employer match about $172,097 at 4% or $114,731 at 6%; with 100% employer match about $129,072 at 4% or $86,048 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,698$128,562,866--
Nbt Bancorp Inc. Severance Pay Plan-1,883---
Nbt Bancorp Inc. Welfare Benefit Plan-1,810---
201941,927$367,114,509$14,873,881$7,719iApproximate average salary by contribution assumption: employee only about $192,967 at 4% or $128,645 at 6%; with 50% employer match about $128,645 at 4% or $85,763 at 6%; with 100% employer match about $96,483 at 4% or $64,322 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,795$244,119,317$14,873,881$8,286iApproximate average salary by contribution assumption: employee only about $207,157 at 4% or $138,105 at 6%; with 50% employer match about $138,105 at 4% or $92,070 at 6%; with 100% employer match about $103,579 at 4% or $69,052 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,573$122,995,192--
Nbt Bancorp Inc. Severance Pay Plan-1,855---
Nbt Bancorp Inc. Welfare Benefit Plan-1,927---
201841,882$311,457,743$22,145,754$11,767iApproximate average salary by contribution assumption: employee only about $294,178 at 4% or $196,119 at 6%; with 50% employer match about $196,119 at 4% or $130,746 at 6%; with 100% employer match about $147,089 at 4% or $98,059 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,792$201,711,436$22,145,754$12,358iApproximate average salary by contribution assumption: employee only about $308,953 at 4% or $205,969 at 6%; with 50% employer match about $205,969 at 4% or $137,312 at 6%; with 100% employer match about $154,477 at 4% or $102,984 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,354$109,746,307--
Nbt Bancorp Inc. Welfare Benefit Plan-1,882---
Nbt Bancorp Inc. Severance Pay Plan-1,811---
201741,853$328,552,265$19,284,292$10,407iApproximate average salary by contribution assumption: employee only about $260,177 at 4% or $173,451 at 6%; with 50% employer match about $173,451 at 4% or $115,634 at 6%; with 100% employer match about $130,088 at 4% or $86,726 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,690$204,502,665$19,284,292$11,411iApproximate average salary by contribution assumption: employee only about $285,271 at 4% or $190,180 at 6%; with 50% employer match about $190,180 at 4% or $126,787 at 6%; with 100% employer match about $142,635 at 4% or $95,090 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,289$124,049,600--
Nbt Bancorp Inc. Severance Pay Plan-1,785---
Nbt Bancorp Inc. Welfare Benefit Plan-1,853---
201641,817$300,154,355$18,952,733$10,431iApproximate average salary by contribution assumption: employee only about $260,770 at 4% or $173,846 at 6%; with 50% employer match about $173,846 at 4% or $115,898 at 6%; with 100% employer match about $130,385 at 4% or $86,923 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,712$183,899,710$13,352,733$7,799iApproximate average salary by contribution assumption: employee only about $194,987 at 4% or $129,992 at 6%; with 50% employer match about $129,992 at 4% or $86,661 at 6%; with 100% employer match about $97,494 at 4% or $64,996 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,262$116,254,645$5,600,000$4,437iApproximate average salary by contribution assumption: employee only about $110,935 at 4% or $73,957 at 6%; with 50% employer match about $73,957 at 4% or $49,304 at 6%; with 100% employer match about $55,468 at 4% or $36,978 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-1,773---
Nbt Bancorp Inc. Welfare Benefit Plan-1,817---
201541,859$262,171,059$11,859,287$6,379iApproximate average salary by contribution assumption: employee only about $159,485 at 4% or $106,323 at 6%; with 50% employer match about $106,323 at 4% or $70,882 at 6%; with 100% employer match about $79,742 at 4% or $53,162 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,750$154,612,172$11,859,287$6,777iApproximate average salary by contribution assumption: employee only about $169,418 at 4% or $112,946 at 6%; with 50% employer match about $112,946 at 4% or $75,297 at 6%; with 100% employer match about $84,709 at 4% or $56,473 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,285$107,558,887--
Nbt Bancorp Inc. Severance Pay Plan-1,859---
Nbt Bancorp Inc. Welfare Benefit Plan-1,859---
201441,845$267,400,843$10,582,445$5,736iApproximate average salary by contribution assumption: employee only about $143,394 at 4% or $95,596 at 6%; with 50% employer match about $95,596 at 4% or $63,730 at 6%; with 100% employer match about $71,697 at 4% or $47,798 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,760$150,138,744$10,582,445$6,013iApproximate average salary by contribution assumption: employee only about $150,319 at 4% or $100,213 at 6%; with 50% employer match about $100,213 at 4% or $66,808 at 6%; with 100% employer match about $75,159 at 4% or $50,106 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,334$117,262,099--
Nbt Bancorp Inc. Severance Pay Plan-1,845---
Nbt Bancorp Inc. Welfare Benefit Plan-1,845---
201341,949$259,104,517$13,744,726$7,052iApproximate average salary by contribution assumption: employee only about $176,305 at 4% or $117,537 at 6%; with 50% employer match about $117,537 at 4% or $78,358 at 6%; with 100% employer match about $88,152 at 4% or $58,768 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,748$140,527,002$13,744,726$7,863iApproximate average salary by contribution assumption: employee only about $196,578 at 4% or $131,052 at 6%; with 50% employer match about $131,052 at 4% or $87,368 at 6%; with 100% employer match about $98,289 at 4% or $65,526 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,402$118,577,515--
Nbt Bancorp Inc. Severance Pay Plan-1,949---
Nbt Bancorp Inc. Welfare Benefit Plan-1,435---
201241,698$203,701,745$7,182,880$4,230iApproximate average salary by contribution assumption: employee only about $105,755 at 4% or $70,503 at 6%; with 50% employer match about $70,503 at 4% or $47,002 at 6%; with 100% employer match about $52,878 at 4% or $35,252 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,698$103,998,194$7,182,880$4,230iApproximate average salary by contribution assumption: employee only about $105,755 at 4% or $70,503 at 6%; with 50% employer match about $70,503 at 4% or $47,002 at 6%; with 100% employer match about $52,878 at 4% or $35,252 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,223$99,703,551--
Nbt Bancorp Inc. Severance Pay Plan-1,684---
Nbt Bancorp Inc. Welfare Benefit Plan-1,235---
201141,689$174,183,877$8,059,936$4,772iApproximate average salary by contribution assumption: employee only about $119,300 at 4% or $79,534 at 6%; with 50% employer match about $79,534 at 4% or $53,022 at 6%; with 100% employer match about $59,650 at 4% or $39,767 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,164$91,574,718--
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,404$82,609,159$8,059,936$5,741iApproximate average salary by contribution assumption: employee only about $143,517 at 4% or $95,678 at 6%; with 50% employer match about $95,678 at 4% or $63,786 at 6%; with 100% employer match about $71,759 at 4% or $47,839 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-1,689---
Nbt Bancorp Inc. Welfare Benefit Plan-1,245---
201041,649$178,635,533$7,549,520$4,578iApproximate average salary by contribution assumption: employee only about $114,456 at 4% or $76,304 at 6%; with 50% employer match about $76,304 at 4% or $50,869 at 6%; with 100% employer match about $57,228 at 4% or $38,152 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,164$97,821,133--
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,351$80,814,400$7,549,520$5,588iApproximate average salary by contribution assumption: employee only about $139,702 at 4% or $93,135 at 6%; with 50% employer match about $93,135 at 4% or $62,090 at 6%; with 100% employer match about $69,851 at 4% or $46,567 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-1,649---
Nbt Bancorp Inc. Welfare Benefit Plan-1,215---
200941,588$156,034,998$24,599,374$15,491iApproximate average salary by contribution assumption: employee only about $387,270 at 4% or $258,180 at 6%; with 50% employer match about $258,180 at 4% or $172,120 at 6%; with 100% employer match about $193,635 at 4% or $129,090 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,125$90,890,649$17,000,000$15,111iApproximate average salary by contribution assumption: employee only about $377,778 at 4% or $251,852 at 6%; with 50% employer match about $251,852 at 4% or $167,901 at 6%; with 100% employer match about $188,889 at 4% or $125,926 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,270$65,144,349$7,599,374$5,984iApproximate average salary by contribution assumption: employee only about $149,594 at 4% or $99,729 at 6%; with 50% employer match about $99,729 at 4% or $66,486 at 6%; with 100% employer match about $74,797 at 4% or $49,865 at 6%.
Nbt Bancorp Inc. Welfare Benefit Plan-1,180---
Nbt Bancorp Inc. Severance Pay Plan-1,588---
200841,559$122,050,566$11,023,720$7,071iApproximate average salary by contribution assumption: employee only about $176,775 at 4% or $117,850 at 6%; with 50% employer match about $117,850 at 4% or $78,567 at 6%; with 100% employer match about $88,388 at 4% or $58,925 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,256$61,150,771$6,023,720$4,796iApproximate average salary by contribution assumption: employee only about $119,899 at 4% or $79,933 at 6%; with 50% employer match about $79,933 at 4% or $53,288 at 6%; with 100% employer match about $59,949 at 4% or $39,966 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,029$60,899,795$5,000,000$4,859iApproximate average salary by contribution assumption: employee only about $121,477 at 4% or $80,985 at 6%; with 50% employer match about $80,985 at 4% or $53,990 at 6%; with 100% employer match about $60,739 at 4% or $40,492 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-1,559---
Nbt Bancorp Inc. Welfare Benefit Plan-1,185---
200741,350$134,283,837$10,134,053$7,507iApproximate average salary by contribution assumption: employee only about $187,668 at 4% or $125,112 at 6%; with 50% employer match about $125,112 at 4% or $83,408 at 6%; with 100% employer match about $93,834 at 4% or $62,556 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,029$72,713,851$5,925,000$5,758iApproximate average salary by contribution assumption: employee only about $143,950 at 4% or $95,967 at 6%; with 50% employer match about $95,967 at 4% or $63,978 at 6%; with 100% employer match about $71,975 at 4% or $47,983 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,183$61,569,986$4,209,053$3,558iApproximate average salary by contribution assumption: employee only about $88,949 at 4% or $59,299 at 6%; with 50% employer match about $59,299 at 4% or $39,533 at 6%; with 100% employer match about $44,474 at 4% or $29,650 at 6%.
Nbt Bancorp Inc. Welfare Benefit Plan-1,102---
Nbt Bancorp Inc. Severance Pay Plan-1,350---
200641,401$127,325,519$19,048,488$13,596iApproximate average salary by contribution assumption: employee only about $339,909 at 4% or $226,606 at 6%; with 50% employer match about $226,606 at 4% or $151,071 at 6%; with 100% employer match about $169,954 at 4% or $113,303 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,066$65,544,780$15,071,179$14,138iApproximate average salary by contribution assumption: employee only about $353,452 at 4% or $235,634 at 6%; with 50% employer match about $235,634 at 4% or $157,090 at 6%; with 100% employer match about $176,726 at 4% or $117,817 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,267$61,780,739$3,977,309$3,139iApproximate average salary by contribution assumption: employee only about $78,479 at 4% or $52,319 at 6%; with 50% employer match about $52,319 at 4% or $34,879 at 6%; with 100% employer match about $39,239 at 4% or $26,160 at 6%.
Nbt Bancorp Inc. Welfare Benefit Plan-1,352---
Nbt Bancorp Inc. Severance Pay Plan-1,401---
200541,155$96,764,992$5,921,611$5,127iApproximate average salary by contribution assumption: employee only about $128,173 at 4% or $85,449 at 6%; with 50% employer match about $85,449 at 4% or $56,966 at 6%; with 100% employer match about $64,087 at 4% or $42,724 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,155$52,108,519$4,434,611$3,839iApproximate average salary by contribution assumption: employee only about $95,987 at 4% or $63,992 at 6%; with 50% employer match about $63,992 at 4% or $42,661 at 6%; with 100% employer match about $47,994 at 4% or $31,996 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-992$44,656,473$1,487,000$1,499iApproximate average salary by contribution assumption: employee only about $37,475 at 4% or $24,983 at 6%; with 50% employer match about $24,983 at 4% or $16,655 at 6%; with 100% employer match about $18,737 at 4% or $12,492 at 6%.
Nbt Bancorp Inc. Welfare Benefit Plan-1,128---
Nbt Bancorp Inc. Severance Pay Plan-968---
200441,352$103,514,029$5,303,099$3,922iApproximate average salary by contribution assumption: employee only about $98,060 at 4% or $65,374 at 6%; with 50% employer match about $65,374 at 4% or $43,582 at 6%; with 100% employer match about $49,030 at 4% or $32,687 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,352$58,881,332$4,422,197$3,271iApproximate average salary by contribution assumption: employee only about $81,771 at 4% or $54,514 at 6%; with 50% employer match about $54,514 at 4% or $36,343 at 6%; with 100% employer match about $40,886 at 4% or $27,257 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,019$44,632,697$880,902$864iApproximate average salary by contribution assumption: employee only about $21,612 at 4% or $14,408 at 6%; with 50% employer match about $14,408 at 4% or $9,605 at 6%; with 100% employer match about $10,806 at 4% or $7,204 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-968---
Nbt Bancorp Inc. Welfare Benefit Plan-1,164---
200341,171$92,323,026$12,335,039$10,534iApproximate average salary by contribution assumption: employee only about $263,344 at 4% or $175,563 at 6%; with 50% employer match about $175,563 at 4% or $117,042 at 6%; with 100% employer match about $131,672 at 4% or $87,781 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,138$48,417,716$3,835,039$3,370iApproximate average salary by contribution assumption: employee only about $84,250 at 4% or $56,166 at 6%; with 50% employer match about $56,166 at 4% or $37,444 at 6%; with 100% employer match about $42,125 at 4% or $28,083 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-1,030$43,905,310$8,500,000$8,252iApproximate average salary by contribution assumption: employee only about $206,311 at 4% or $137,540 at 6%; with 50% employer match about $137,540 at 4% or $91,694 at 6%; with 100% employer match about $103,155 at 4% or $68,770 at 6%.
Nbt Bancorp Inc. Welfare Benefit Plan-1,171---
Nbt Bancorp Inc. Severance Pay Plan-966---
200231,240$71,215,933$11,739,835$9,468iApproximate average salary by contribution assumption: employee only about $236,690 at 4% or $157,793 at 6%; with 50% employer match about $157,793 at 4% or $105,196 at 6%; with 100% employer match about $118,345 at 4% or $78,897 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-1,240$38,614,329$3,739,835$3,016iApproximate average salary by contribution assumption: employee only about $75,400 at 4% or $50,267 at 6%; with 50% employer match about $50,267 at 4% or $33,511 at 6%; with 100% employer match about $37,700 at 4% or $25,133 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-976$32,601,604$8,000,000$8,197iApproximate average salary by contribution assumption: employee only about $204,918 at 4% or $136,612 at 6%; with 50% employer match about $136,612 at 4% or $91,075 at 6%; with 100% employer match about $102,459 at 4% or $68,306 at 6%.
Nbt Bancorp Inc. Severance Pay Plan-0---
20014991$65,276,729$4,294,879$4,334iApproximate average salary by contribution assumption: employee only about $108,347 at 4% or $72,231 at 6%; with 50% employer match about $72,231 at 4% or $48,154 at 6%; with 100% employer match about $54,174 at 4% or $36,116 at 6%.
Nbt Bancorp Inc. 401K & Employee Stock Ownership Plan-991$35,729,062$2,294,879$2,316iApproximate average salary by contribution assumption: employee only about $57,893 at 4% or $38,595 at 6%; with 50% employer match about $38,595 at 4% or $25,730 at 6%; with 100% employer match about $28,947 at 4% or $19,298 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-912$29,547,667$2,000,000$2,193iApproximate average salary by contribution assumption: employee only about $54,825 at 4% or $36,550 at 6%; with 50% employer match about $36,550 at 4% or $24,366 at 6%; with 100% employer match about $27,412 at 4% or $18,275 at 6%.
NBT BANCORP, INC. FLEXIBLE BENEFIT PLAN-117---
Nbt Bancorp Inc. Welfare Benefit Plan-912---
20001430$22,214,061$1,950,170$4,535iApproximate average salary by contribution assumption: employee only about $113,382 at 4% or $75,588 at 6%; with 50% employer match about $75,588 at 4% or $50,392 at 6%; with 100% employer match about $56,691 at 4% or $37,794 at 6%.
Nbt Bancorp Inc. Defined Benefit Pension Plan-430$22,214,061$1,950,170$4,535iApproximate average salary by contribution assumption: employee only about $113,382 at 4% or $75,588 at 6%; with 50% employer match about $75,588 at 4% or $50,392 at 6%; with 100% employer match about $56,691 at 4% or $37,794 at 6%.