Civic Intelligence

Aloysius G. Freeman, MD PC

Plan context: Aloysius G. Freeman, MD PC 401K Ps Pl & Tr

EIN 16-1548411 • Utica, NY • 50 filings • 8 plans

3 Parkside CourtUtica, NY 13501
Current Snapshot

Latest Year

2025

2025 Participants

15

2025 Assets

$4,649,299

2025 Contributions

$85,672

Historical Graphs

Total Assets Over Time

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

$8,382,822$4,191,411$0199920132025YearValue
$4,649,299Latest year 2025

Participants Over Time

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

21110199920122025YearValue
15Latest 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
2025115$4,649,299$85,672$5,711iApproximate average salary by contribution assumption: employee only about $142,787 at 4% or $95,191 at 6%; with 50% employer match about $95,191 at 4% or $63,461 at 6%; with 100% employer match about $71,393 at 4% or $47,596 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$4,649,299$85,672$5,711iApproximate average salary by contribution assumption: employee only about $142,787 at 4% or $95,191 at 6%; with 50% employer match about $95,191 at 4% or $63,461 at 6%; with 100% employer match about $71,393 at 4% or $47,596 at 6%.
2024115$3,972,250$95,306$6,354iApproximate average salary by contribution assumption: employee only about $158,843 at 4% or $105,896 at 6%; with 50% employer match about $105,896 at 4% or $70,597 at 6%; with 100% employer match about $79,422 at 4% or $52,948 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$3,972,250$95,306$6,354iApproximate average salary by contribution assumption: employee only about $158,843 at 4% or $105,896 at 6%; with 50% employer match about $105,896 at 4% or $70,597 at 6%; with 100% employer match about $79,422 at 4% or $52,948 at 6%.
2023114$3,272,852$73,770$5,269iApproximate average salary by contribution assumption: employee only about $131,732 at 4% or $87,821 at 6%; with 50% employer match about $87,821 at 4% or $58,548 at 6%; with 100% employer match about $65,866 at 4% or $43,911 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-14$3,272,852$73,770$5,269iApproximate average salary by contribution assumption: employee only about $131,732 at 4% or $87,821 at 6%; with 50% employer match about $87,821 at 4% or $58,548 at 6%; with 100% employer match about $65,866 at 4% or $43,911 at 6%.
2022113$2,563,082$69,266$5,328iApproximate average salary by contribution assumption: employee only about $133,204 at 4% or $88,803 at 6%; with 50% employer match about $88,803 at 4% or $59,202 at 6%; with 100% employer match about $66,602 at 4% or $44,401 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-13$2,563,082$69,266$5,328iApproximate average salary by contribution assumption: employee only about $133,204 at 4% or $88,803 at 6%; with 50% employer match about $88,803 at 4% or $59,202 at 6%; with 100% employer match about $66,602 at 4% or $44,401 at 6%.
2021113$3,165,384$68,770$5,290iApproximate average salary by contribution assumption: employee only about $132,250 at 4% or $88,167 at 6%; with 50% employer match about $88,167 at 4% or $58,778 at 6%; with 100% employer match about $66,125 at 4% or $44,083 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-13$3,165,384$68,770$5,290iApproximate average salary by contribution assumption: employee only about $132,250 at 4% or $88,167 at 6%; with 50% employer match about $88,167 at 4% or $58,778 at 6%; with 100% employer match about $66,125 at 4% or $44,083 at 6%.
2020115$5,432,254$63,246$4,216iApproximate average salary by contribution assumption: employee only about $105,410 at 4% or $70,273 at 6%; with 50% employer match about $70,273 at 4% or $46,849 at 6%; with 100% employer match about $52,705 at 4% or $35,137 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$5,432,254$63,246$4,216iApproximate average salary by contribution assumption: employee only about $105,410 at 4% or $70,273 at 6%; with 50% employer match about $70,273 at 4% or $46,849 at 6%; with 100% employer match about $52,705 at 4% or $35,137 at 6%.
2019216$7,509,791$244,608$15,288iApproximate average salary by contribution assumption: employee only about $382,200 at 4% or $254,800 at 6%; with 50% employer match about $254,800 at 4% or $169,867 at 6%; with 100% employer match about $191,100 at 4% or $127,400 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-16$7,509,791$244,608$15,288iApproximate average salary by contribution assumption: employee only about $382,200 at 4% or $254,800 at 6%; with 50% employer match about $254,800 at 4% or $169,867 at 6%; with 100% employer match about $191,100 at 4% or $127,400 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-0$0$0-
2018218$8,382,822$326,416$18,134iApproximate average salary by contribution assumption: employee only about $453,356 at 4% or $302,237 at 6%; with 50% employer match about $302,237 at 4% or $201,491 at 6%; with 100% employer match about $226,678 at 4% or $151,119 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-17$5,765,199$169,962$9,998iApproximate average salary by contribution assumption: employee only about $249,944 at 4% or $166,629 at 6%; with 50% employer match about $166,629 at 4% or $111,086 at 6%; with 100% employer match about $124,972 at 4% or $83,315 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-18$2,617,623$156,454$8,692iApproximate average salary by contribution assumption: employee only about $217,297 at 4% or $144,865 at 6%; with 50% employer match about $144,865 at 4% or $96,577 at 6%; with 100% employer match about $108,649 at 4% or $72,432 at 6%.
2017216$8,315,055$352,835$22,052iApproximate average salary by contribution assumption: employee only about $551,305 at 4% or $367,536 at 6%; with 50% employer match about $367,536 at 4% or $245,024 at 6%; with 100% employer match about $275,652 at 4% or $183,768 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-16$5,795,103$122,699$7,669iApproximate average salary by contribution assumption: employee only about $191,717 at 4% or $127,811 at 6%; with 50% employer match about $127,811 at 4% or $85,208 at 6%; with 100% employer match about $95,859 at 4% or $63,906 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-16$2,519,952$230,136$14,384iApproximate average salary by contribution assumption: employee only about $359,588 at 4% or $239,725 at 6%; with 50% employer match about $239,725 at 4% or $159,817 at 6%; with 100% employer match about $179,794 at 4% or $119,863 at 6%.
2016217$6,915,382$310,678$18,275iApproximate average salary by contribution assumption: employee only about $456,879 at 4% or $304,586 at 6%; with 50% employer match about $304,586 at 4% or $203,058 at 6%; with 100% employer match about $228,440 at 4% or $152,293 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$4,913,199$175,675$11,712iApproximate average salary by contribution assumption: employee only about $292,792 at 4% or $195,194 at 6%; with 50% employer match about $195,194 at 4% or $130,130 at 6%; with 100% employer match about $146,396 at 4% or $97,597 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-17$2,002,183$135,003$7,941iApproximate average salary by contribution assumption: employee only about $198,534 at 4% or $132,356 at 6%; with 50% employer match about $132,356 at 4% or $88,237 at 6%; with 100% employer match about $99,267 at 4% or $66,178 at 6%.
2015217$6,555,734$289,975$17,057iApproximate average salary by contribution assumption: employee only about $426,434 at 4% or $284,289 at 6%; with 50% employer match about $284,289 at 4% or $189,526 at 6%; with 100% employer match about $213,217 at 4% or $142,145 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-13$4,682,810$166,585$12,814iApproximate average salary by contribution assumption: employee only about $320,356 at 4% or $213,571 at 6%; with 50% employer match about $213,571 at 4% or $142,380 at 6%; with 100% employer match about $160,178 at 4% or $106,785 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-17$1,872,924$123,390$7,258iApproximate average salary by contribution assumption: employee only about $181,456 at 4% or $120,971 at 6%; with 50% employer match about $120,971 at 4% or $80,647 at 6%; with 100% employer match about $90,728 at 4% or $60,485 at 6%.
2014219$6,385,284$319,946$16,839iApproximate average salary by contribution assumption: employee only about $420,982 at 4% or $280,654 at 6%; with 50% employer match about $280,654 at 4% or $187,103 at 6%; with 100% employer match about $210,491 at 4% or $140,327 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-18$4,601,873$192,246$10,680iApproximate average salary by contribution assumption: employee only about $267,008 at 4% or $178,006 at 6%; with 50% employer match about $178,006 at 4% or $118,670 at 6%; with 100% employer match about $133,504 at 4% or $89,003 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-19$1,783,411$127,700$6,721iApproximate average salary by contribution assumption: employee only about $168,026 at 4% or $112,018 at 6%; with 50% employer match about $112,018 at 4% or $74,678 at 6%; with 100% employer match about $84,013 at 4% or $56,009 at 6%.
2013219$5,626,368$351,233$18,486iApproximate average salary by contribution assumption: employee only about $462,149 at 4% or $308,099 at 6%; with 50% employer match about $308,099 at 4% or $205,399 at 6%; with 100% employer match about $231,074 at 4% or $154,050 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-18$4,091,360$220,030$12,224iApproximate average salary by contribution assumption: employee only about $305,597 at 4% or $203,731 at 6%; with 50% employer match about $203,731 at 4% or $135,821 at 6%; with 100% employer match about $152,799 at 4% or $101,866 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-19$1,535,008$131,203$6,905iApproximate average salary by contribution assumption: employee only about $172,636 at 4% or $115,090 at 6%; with 50% employer match about $115,090 at 4% or $76,727 at 6%; with 100% employer match about $86,318 at 4% or $57,545 at 6%.
2012219$4,702,218$332,623$17,506iApproximate average salary by contribution assumption: employee only about $437,662 at 4% or $291,775 at 6%; with 50% employer match about $291,775 at 4% or $194,516 at 6%; with 100% employer match about $218,831 at 4% or $145,887 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-17$3,447,317$213,130$12,537iApproximate average salary by contribution assumption: employee only about $313,426 at 4% or $208,951 at 6%; with 50% employer match about $208,951 at 4% or $139,301 at 6%; with 100% employer match about $156,713 at 4% or $104,475 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-19$1,254,901$119,493$6,289iApproximate average salary by contribution assumption: employee only about $157,228 at 4% or $104,818 at 6%; with 50% employer match about $104,818 at 4% or $69,879 at 6%; with 100% employer match about $78,614 at 4% or $52,409 at 6%.
2011218$4,001,210$308,900$17,161iApproximate average salary by contribution assumption: employee only about $429,028 at 4% or $286,019 at 6%; with 50% employer match about $286,019 at 4% or $190,679 at 6%; with 100% employer match about $214,514 at 4% or $143,009 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-17$2,951,465$185,627$10,919iApproximate average salary by contribution assumption: employee only about $272,981 at 4% or $181,987 at 6%; with 50% employer match about $181,987 at 4% or $121,325 at 6%; with 100% employer match about $136,490 at 4% or $90,994 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-18$1,049,745$123,273$6,849iApproximate average salary by contribution assumption: employee only about $171,213 at 4% or $114,142 at 6%; with 50% employer match about $114,142 at 4% or $76,094 at 6%; with 100% employer match about $85,606 at 4% or $57,071 at 6%.
2010220$4,046,269$270,233$13,512iApproximate average salary by contribution assumption: employee only about $337,791 at 4% or $225,194 at 6%; with 50% employer match about $225,194 at 4% or $150,129 at 6%; with 100% employer match about $168,896 at 4% or $112,597 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-18$3,097,915$177,634$9,869iApproximate average salary by contribution assumption: employee only about $246,714 at 4% or $164,476 at 6%; with 50% employer match about $164,476 at 4% or $109,651 at 6%; with 100% employer match about $123,357 at 4% or $82,238 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-20$948,354$92,599$4,630iApproximate average salary by contribution assumption: employee only about $115,749 at 4% or $77,166 at 6%; with 50% employer match about $77,166 at 4% or $51,444 at 6%; with 100% employer match about $57,874 at 4% or $38,583 at 6%.
2009221$3,440,383$291,720$13,891iApproximate average salary by contribution assumption: employee only about $347,286 at 4% or $231,524 at 6%; with 50% employer match about $231,524 at 4% or $154,349 at 6%; with 100% employer match about $173,643 at 4% or $115,762 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-18$2,677,065$208,891$11,605iApproximate average salary by contribution assumption: employee only about $290,126 at 4% or $193,418 at 6%; with 50% employer match about $193,418 at 4% or $128,945 at 6%; with 100% employer match about $145,063 at 4% or $96,709 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-21$763,318$82,829$3,944iApproximate average salary by contribution assumption: employee only about $98,606 at 4% or $65,737 at 6%; with 50% employer match about $65,737 at 4% or $43,825 at 6%; with 100% employer match about $49,303 at 4% or $32,869 at 6%.
2008217$2,451,695$306,312$18,018iApproximate average salary by contribution assumption: employee only about $450,459 at 4% or $300,306 at 6%; with 50% employer match about $300,306 at 4% or $200,204 at 6%; with 100% employer match about $225,229 at 4% or $150,153 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-17$1,918,452$213,777$12,575iApproximate average salary by contribution assumption: employee only about $314,378 at 4% or $209,585 at 6%; with 50% employer match about $209,585 at 4% or $139,724 at 6%; with 100% employer match about $157,189 at 4% or $104,793 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-17$533,243$92,535$5,443iApproximate average salary by contribution assumption: employee only about $136,081 at 4% or $90,721 at 6%; with 50% employer match about $90,721 at 4% or $60,480 at 6%; with 100% employer match about $68,040 at 4% or $45,360 at 6%.
2007215$3,405,697$284,088$18,939iApproximate average salary by contribution assumption: employee only about $473,480 at 4% or $315,653 at 6%; with 50% employer match about $315,653 at 4% or $210,436 at 6%; with 100% employer match about $236,740 at 4% or $157,827 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$2,715,306$195,215$13,014iApproximate average salary by contribution assumption: employee only about $325,358 at 4% or $216,906 at 6%; with 50% employer match about $216,906 at 4% or $144,604 at 6%; with 100% employer match about $162,679 at 4% or $108,453 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-15$690,391$88,873$5,925iApproximate average salary by contribution assumption: employee only about $148,122 at 4% or $98,748 at 6%; with 50% employer match about $98,748 at 4% or $65,832 at 6%; with 100% employer match about $74,061 at 4% or $49,374 at 6%.
2006215$2,620,759$276,672$18,445iApproximate average salary by contribution assumption: employee only about $461,120 at 4% or $307,413 at 6%; with 50% employer match about $307,413 at 4% or $204,942 at 6%; with 100% employer match about $230,560 at 4% or $153,707 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$2,111,284$188,298$12,553iApproximate average salary by contribution assumption: employee only about $313,830 at 4% or $209,220 at 6%; with 50% employer match about $209,220 at 4% or $139,480 at 6%; with 100% employer match about $156,915 at 4% or $104,610 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-15$509,475$88,374$5,892iApproximate average salary by contribution assumption: employee only about $147,290 at 4% or $98,193 at 6%; with 50% employer match about $98,193 at 4% or $65,462 at 6%; with 100% employer match about $73,645 at 4% or $49,097 at 6%.
2005215$2,225,537$250,042$16,669iApproximate average salary by contribution assumption: employee only about $416,737 at 4% or $277,824 at 6%; with 50% employer match about $277,824 at 4% or $185,216 at 6%; with 100% employer match about $208,368 at 4% or $138,912 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$1,822,686$166,418$11,095iApproximate average salary by contribution assumption: employee only about $277,363 at 4% or $184,909 at 6%; with 50% employer match about $184,909 at 4% or $123,273 at 6%; with 100% employer match about $138,682 at 4% or $92,454 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-15$402,851$83,624$5,575iApproximate average salary by contribution assumption: employee only about $139,373 at 4% or $92,916 at 6%; with 50% employer match about $92,916 at 4% or $61,944 at 6%; with 100% employer match about $69,687 at 4% or $46,458 at 6%.
2004213$1,983,103$208,906$16,070iApproximate average salary by contribution assumption: employee only about $401,742 at 4% or $267,828 at 6%; with 50% employer match about $267,828 at 4% or $178,552 at 6%; with 100% employer match about $200,871 at 4% or $133,914 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-13$1,651,903$139,689$10,745iApproximate average salary by contribution assumption: employee only about $268,633 at 4% or $179,088 at 6%; with 50% employer match about $179,088 at 4% or $119,392 at 6%; with 100% employer match about $134,316 at 4% or $89,544 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-13$331,200$69,217$5,324iApproximate average salary by contribution assumption: employee only about $133,110 at 4% or $88,740 at 6%; with 50% employer match about $88,740 at 4% or $59,160 at 6%; with 100% employer match about $66,555 at 4% or $44,370 at 6%.
2003213$1,777,295$205,522$15,809iApproximate average salary by contribution assumption: employee only about $395,235 at 4% or $263,490 at 6%; with 50% employer match about $263,490 at 4% or $175,660 at 6%; with 100% employer match about $197,617 at 4% or $131,745 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-13$1,527,828$130,222$10,017iApproximate average salary by contribution assumption: employee only about $250,427 at 4% or $166,951 at 6%; with 50% employer match about $166,951 at 4% or $111,301 at 6%; with 100% employer match about $125,213 at 4% or $83,476 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-13$249,467$75,300$5,792iApproximate average salary by contribution assumption: employee only about $144,808 at 4% or $96,538 at 6%; with 50% employer match about $96,538 at 4% or $64,359 at 6%; with 100% employer match about $72,404 at 4% or $48,269 at 6%.
2002215$1,320,394$203,394$13,560iApproximate average salary by contribution assumption: employee only about $338,990 at 4% or $225,993 at 6%; with 50% employer match about $225,993 at 4% or $150,662 at 6%; with 100% employer match about $169,495 at 4% or $112,997 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-15$1,171,307$127,428$8,495iApproximate average salary by contribution assumption: employee only about $212,380 at 4% or $141,587 at 6%; with 50% employer match about $141,587 at 4% or $94,391 at 6%; with 100% employer match about $106,190 at 4% or $70,793 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-15$149,087$75,966$5,064iApproximate average salary by contribution assumption: employee only about $126,610 at 4% or $84,407 at 6%; with 50% employer match about $84,407 at 4% or $56,271 at 6%; with 100% employer match about $63,305 at 4% or $42,203 at 6%.
2001314$0$49,171$3,512iApproximate average salary by contribution assumption: employee only about $87,805 at 4% or $58,537 at 6%; with 50% employer match about $58,537 at 4% or $39,025 at 6%; with 100% employer match about $43,903 at 4% or $29,268 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-14---
Aloysius G. Freeman, MD PC Pension Pl & Tr-0-$49,171-
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-14---
2000316$1,802,439$1,614,330$100,896iApproximate average salary by contribution assumption: employee only about $2,522,391 at 4% or $1,681,594 at 6%; with 50% employer match about $1,681,594 at 4% or $1,121,063 at 6%; with 100% employer match about $1,261,195 at 4% or $840,797 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-16$1,375,906$1,370,819$85,676iApproximate average salary by contribution assumption: employee only about $2,141,905 at 4% or $1,427,936 at 6%; with 50% employer match about $1,427,936 at 4% or $951,958 at 6%; with 100% employer match about $1,070,952 at 4% or $713,968 at 6%.
Aloysius G. Freeman, MD PC Pension Pl & Tr-16$379,989$196,967$12,310iApproximate average salary by contribution assumption: employee only about $307,761 at 4% or $205,174 at 6%; with 50% employer match about $205,174 at 4% or $136,783 at 6%; with 100% employer match about $153,880 at 4% or $102,587 at 6%.
Ob/Gyn Associates of Central New York PC. Employees' Defined Benefit Pension Plan-16$46,544$46,544$2,909iApproximate average salary by contribution assumption: employee only about $72,725 at 4% or $48,483 at 6%; with 50% employer match about $48,483 at 4% or $32,322 at 6%; with 100% employer match about $36,363 at 4% or $24,242 at 6%.
1999216$309,975$217,640$13,603iApproximate average salary by contribution assumption: employee only about $340,063 at 4% or $226,708 at 6%; with 50% employer match about $226,708 at 4% or $151,139 at 6%; with 100% employer match about $170,031 at 4% or $113,354 at 6%.
Aloysius G. Freeman, MD PC Pension Pl & Tr-16$210,565$159,514$9,970iApproximate average salary by contribution assumption: employee only about $249,241 at 4% or $166,160 at 6%; with 50% employer match about $166,160 at 4% or $110,774 at 6%; with 100% employer match about $124,620 at 4% or $83,080 at 6%.
Aloysius G. Freeman, MD PC 401K Ps Pl & Tr-16$99,410$58,126$3,633iApproximate average salary by contribution assumption: employee only about $90,822 at 4% or $60,548 at 6%; with 50% employer match about $60,548 at 4% or $40,365 at 6%; with 100% employer match about $45,411 at 4% or $30,274 at 6%.