Civic Intelligence

Ohio Operating Engineers Health & Welfare Plan

Plan context: The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan

EIN 31-4446857 • Columbus, OH • 65 filings • 7 plans

1180 Dublin RoadColumbus, OH 43215
Current Snapshot

Latest Year

2024

2024 Participants

42

2024 Assets

$3,917,066

2024 Contributions

$246,736

Historical Graphs

Total Assets Over Time

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

$189,466,394$94,733,197$0199920132024YearValue
$3,917,066Latest year 2024

Participants Over Time

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

9,8874,9440199920122024YearValue
42Latest 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
2024142$3,917,066$246,736$5,875iApproximate average salary by contribution assumption: employee only about $146,867 at 4% or $97,911 at 6%; with 50% employer match about $97,911 at 4% or $65,274 at 6%; with 100% employer match about $73,433 at 4% or $48,956 at 6%.
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-42$3,917,066$246,736$5,875iApproximate average salary by contribution assumption: employee only about $146,867 at 4% or $97,911 at 6%; with 50% employer match about $97,911 at 4% or $65,274 at 6%; with 100% employer match about $73,433 at 4% or $48,956 at 6%.
202339,887$180,923,350$175,761,557$17,777iApproximate average salary by contribution assumption: employee only about $444,426 at 4% or $296,284 at 6%; with 50% employer match about $296,284 at 4% or $197,523 at 6%; with 100% employer match about $222,213 at 4% or $148,142 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,887$165,286,840$175,548,560$17,755iApproximate average salary by contribution assumption: employee only about $443,887 at 4% or $295,925 at 6%; with 50% employer match about $295,925 at 4% or $197,283 at 6%; with 100% employer match about $221,944 at 4% or $147,962 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-27$12,377,344--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-42$3,259,166$212,997$5,071iApproximate average salary by contribution assumption: employee only about $126,784 at 4% or $84,523 at 6%; with 50% employer match about $84,523 at 4% or $56,348 at 6%; with 100% employer match about $63,392 at 4% or $42,261 at 6%.
202239,525$173,622,541$164,737,618$17,295iApproximate average salary by contribution assumption: employee only about $432,382 at 4% or $288,255 at 6%; with 50% employer match about $288,255 at 4% or $192,170 at 6%; with 100% employer match about $216,191 at 4% or $144,127 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,525$158,960,678$164,451,950$17,265iApproximate average salary by contribution assumption: employee only about $431,632 at 4% or $287,755 at 6%; with 50% employer match about $287,755 at 4% or $191,837 at 6%; with 100% employer match about $215,816 at 4% or $143,877 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-7$11,651,920--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-43$3,009,943$285,668$6,643iApproximate average salary by contribution assumption: employee only about $166,086 at 4% or $110,724 at 6%; with 50% employer match about $110,724 at 4% or $73,816 at 6%; with 100% employer match about $83,043 at 4% or $55,362 at 6%.
202139,096$170,269,914$156,563,325$17,212iApproximate average salary by contribution assumption: employee only about $430,308 at 4% or $286,872 at 6%; with 50% employer match about $286,872 at 4% or $191,248 at 6%; with 100% employer match about $215,154 at 4% or $143,436 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,096$155,313,573$156,338,504$17,188iApproximate average salary by contribution assumption: employee only about $429,690 at 4% or $286,460 at 6%; with 50% employer match about $286,460 at 4% or $190,973 at 6%; with 100% employer match about $214,845 at 4% or $143,230 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-8$11,601,798--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-38$3,354,543$224,821$5,916iApproximate average salary by contribution assumption: employee only about $147,909 at 4% or $98,606 at 6%; with 50% employer match about $98,606 at 4% or $65,737 at 6%; with 100% employer match about $73,954 at 4% or $49,303 at 6%.
202039,058$189,466,394$142,049,805$15,682iApproximate average salary by contribution assumption: employee only about $392,056 at 4% or $261,371 at 6%; with 50% employer match about $261,371 at 4% or $174,247 at 6%; with 100% employer match about $196,028 at 4% or $130,685 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,058$172,756,325$141,816,038$15,656iApproximate average salary by contribution assumption: employee only about $391,411 at 4% or $260,941 at 6%; with 50% employer match about $260,941 at 4% or $173,960 at 6%; with 100% employer match about $195,706 at 4% or $130,470 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-9$13,930,717--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-37$2,779,352$233,767$6,318iApproximate average salary by contribution assumption: employee only about $157,951 at 4% or $105,300 at 6%; with 50% employer match about $105,300 at 4% or $70,200 at 6%; with 100% employer match about $78,975 at 4% or $52,650 at 6%.
201939,552$185,966,218$149,945,597$15,698iApproximate average salary by contribution assumption: employee only about $392,446 at 4% or $261,630 at 6%; with 50% employer match about $261,630 at 4% or $174,420 at 6%; with 100% employer match about $196,223 at 4% or $130,815 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,552$171,421,417$149,743,271$15,677iApproximate average salary by contribution assumption: employee only about $391,916 at 4% or $261,277 at 6%; with 50% employer match about $261,277 at 4% or $174,185 at 6%; with 100% employer match about $195,958 at 4% or $130,639 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-11$12,198,372--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-37$2,346,429$202,326$5,468iApproximate average salary by contribution assumption: employee only about $136,707 at 4% or $91,138 at 6%; with 50% employer match about $91,138 at 4% or $60,759 at 6%; with 100% employer match about $68,353 at 4% or $45,569 at 6%.
201839,558$186,218,766$152,168,786$15,921iApproximate average salary by contribution assumption: employee only about $398,014 at 4% or $265,343 at 6%; with 50% employer match about $265,343 at 4% or $176,895 at 6%; with 100% employer match about $199,007 at 4% or $132,671 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,558$172,779,917$151,931,208$15,896iApproximate average salary by contribution assumption: employee only about $397,393 at 4% or $264,929 at 6%; with 50% employer match about $264,929 at 4% or $176,619 at 6%; with 100% employer match about $198,696 at 4% or $132,464 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-13$11,598,177--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-34$1,840,672$237,578$6,988iApproximate average salary by contribution assumption: employee only about $174,690 at 4% or $116,460 at 6%; with 50% employer match about $116,460 at 4% or $77,640 at 6%; with 100% employer match about $87,345 at 4% or $58,230 at 6%.
201739,117$171,295,258$147,398,079$16,167iApproximate average salary by contribution assumption: employee only about $404,185 at 4% or $269,456 at 6%; with 50% employer match about $269,456 at 4% or $179,638 at 6%; with 100% employer match about $202,092 at 4% or $134,728 at 6%.
Ohio Operating Engineers Health & Welfare Plan-9,117$158,004,738$147,153,757$16,141iApproximate average salary by contribution assumption: employee only about $403,515 at 4% or $269,010 at 6%; with 50% employer match about $269,010 at 4% or $179,340 at 6%; with 100% employer match about $201,757 at 4% or $134,505 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-13$11,452,744--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-32$1,837,776$244,322$7,635iApproximate average salary by contribution assumption: employee only about $190,877 at 4% or $127,251 at 6%; with 50% employer match about $127,251 at 4% or $84,834 at 6%; with 100% employer match about $95,438 at 4% or $63,626 at 6%.
201638,601$161,887,252$132,735,277$15,433iApproximate average salary by contribution assumption: employee only about $385,814 at 4% or $257,209 at 6%; with 50% employer match about $257,209 at 4% or $171,473 at 6%; with 100% employer match about $192,907 at 4% or $128,605 at 6%.
Ohio Operating Engineers Health & Welfare Plan-8,601$149,600,641$132,510,107$15,406iApproximate average salary by contribution assumption: employee only about $385,159 at 4% or $256,773 at 6%; with 50% employer match about $256,773 at 4% or $171,182 at 6%; with 100% employer match about $192,580 at 4% or $128,386 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-14$10,845,422--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-33$1,441,189$225,170$6,823iApproximate average salary by contribution assumption: employee only about $170,583 at 4% or $113,722 at 6%; with 50% employer match about $113,722 at 4% or $75,815 at 6%; with 100% employer match about $85,292 at 4% or $56,861 at 6%.
201537,590$153,004,082$122,442,160$16,132iApproximate average salary by contribution assumption: employee only about $403,301 at 4% or $268,867 at 6%; with 50% employer match about $268,867 at 4% or $179,245 at 6%; with 100% employer match about $201,650 at 4% or $134,434 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,590$141,625,835$122,217,914$16,102iApproximate average salary by contribution assumption: employee only about $402,562 at 4% or $268,375 at 6%; with 50% employer match about $268,375 at 4% or $178,917 at 6%; with 100% employer match about $201,281 at 4% or $134,187 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-16$10,201,319--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-29$1,176,928$224,246$7,733iApproximate average salary by contribution assumption: employee only about $193,316 at 4% or $128,877 at 6%; with 50% employer match about $128,877 at 4% or $85,918 at 6%; with 100% employer match about $96,658 at 4% or $64,439 at 6%.
201437,654$150,964,766$109,295,297$14,280iApproximate average salary by contribution assumption: employee only about $356,988 at 4% or $237,992 at 6%; with 50% employer match about $237,992 at 4% or $158,661 at 6%; with 100% employer match about $178,494 at 4% or $118,996 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,654$139,548,125$109,057,834$14,248iApproximate average salary by contribution assumption: employee only about $356,212 at 4% or $237,475 at 6%; with 50% employer match about $237,475 at 4% or $158,316 at 6%; with 100% employer match about $178,106 at 4% or $118,737 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-17$10,395,179--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-30$1,021,462$237,463$7,915iApproximate average salary by contribution assumption: employee only about $197,886 at 4% or $131,924 at 6%; with 50% employer match about $131,924 at 4% or $87,949 at 6%; with 100% employer match about $98,943 at 4% or $65,962 at 6%.
201337,351$150,146,263$102,735,680$13,976iApproximate average salary by contribution assumption: employee only about $349,394 at 4% or $232,929 at 6%; with 50% employer match about $232,929 at 4% or $155,286 at 6%; with 100% employer match about $174,697 at 4% or $116,465 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,351$139,137,646$102,504,756$13,944iApproximate average salary by contribution assumption: employee only about $348,608 at 4% or $232,405 at 6%; with 50% employer match about $232,405 at 4% or $154,937 at 6%; with 100% employer match about $174,304 at 4% or $116,203 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-18$10,113,724--
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-28$894,893$230,924$8,247iApproximate average salary by contribution assumption: employee only about $206,182 at 4% or $137,455 at 6%; with 50% employer match about $137,455 at 4% or $91,637 at 6%; with 100% employer match about $103,091 at 4% or $68,727 at 6%.
201236,980$141,576,480$93,378,710$13,378iApproximate average salary by contribution assumption: employee only about $334,451 at 4% or $222,967 at 6%; with 50% employer match about $222,967 at 4% or $148,645 at 6%; with 100% employer match about $167,225 at 4% or $111,484 at 6%.
Ohio Operating Engineers Health & Welfare Plan-6,980$131,563,246$93,071,471$13,334iApproximate average salary by contribution assumption: employee only about $333,351 at 4% or $222,234 at 6%; with 50% employer match about $222,234 at 4% or $148,156 at 6%; with 100% employer match about $166,675 at 4% or $111,117 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-19$9,426,691$110,558$5,819iApproximate average salary by contribution assumption: employee only about $145,471 at 4% or $96,981 at 6%; with 50% employer match about $96,981 at 4% or $64,654 at 6%; with 100% employer match about $72,736 at 4% or $48,490 at 6%.
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-29$586,543$196,681$6,782iApproximate average salary by contribution assumption: employee only about $169,553 at 4% or $113,035 at 6%; with 50% employer match about $113,035 at 4% or $75,357 at 6%; with 100% employer match about $84,776 at 4% or $56,518 at 6%.
201136,852$142,281,742$91,201,123$13,310iApproximate average salary by contribution assumption: employee only about $332,754 at 4% or $221,836 at 6%; with 50% employer match about $221,836 at 4% or $147,891 at 6%; with 100% employer match about $166,377 at 4% or $110,918 at 6%.
Ohio Operating Engineers Health & Welfare Plan-6,852$133,636,330$90,926,903$13,270iApproximate average salary by contribution assumption: employee only about $331,753 at 4% or $221,169 at 6%; with 50% employer match about $221,169 at 4% or $147,446 at 6%; with 100% employer match about $165,877 at 4% or $110,584 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-19$8,289,870$90,345$4,755iApproximate average salary by contribution assumption: employee only about $118,875 at 4% or $79,250 at 6%; with 50% employer match about $79,250 at 4% or $52,833 at 6%; with 100% employer match about $59,438 at 4% or $39,625 at 6%.
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-30$355,542$183,875$6,129iApproximate average salary by contribution assumption: employee only about $153,229 at 4% or $102,153 at 6%; with 50% employer match about $102,153 at 4% or $68,102 at 6%; with 100% employer match about $76,615 at 4% or $51,076 at 6%.
201036,668$142,540,204$83,850,320$12,575iApproximate average salary by contribution assumption: employee only about $314,376 at 4% or $209,584 at 6%; with 50% employer match about $209,584 at 4% or $139,723 at 6%; with 100% employer match about $157,188 at 4% or $104,792 at 6%.
Ohio Operating Engineers Health & Welfare Plan-6,668$134,157,049$83,481,465$12,520iApproximate average salary by contribution assumption: employee only about $312,993 at 4% or $208,662 at 6%; with 50% employer match about $208,662 at 4% or $139,108 at 6%; with 100% employer match about $156,496 at 4% or $104,331 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-20$8,195,710$187,354$9,368iApproximate average salary by contribution assumption: employee only about $234,193 at 4% or $156,128 at 6%; with 50% employer match about $156,128 at 4% or $104,086 at 6%; with 100% employer match about $117,096 at 4% or $78,064 at 6%.
The Ohio Operating Engineers Health & Welfare Plan Employees 401(K) Plan-30$187,445$181,501$6,050iApproximate average salary by contribution assumption: employee only about $151,251 at 4% or $100,834 at 6%; with 50% employer match about $100,834 at 4% or $67,223 at 6%; with 100% employer match about $75,625 at 4% or $50,417 at 6%.
200926,816$134,429,753$80,402,708$11,796iApproximate average salary by contribution assumption: employee only about $294,904 at 4% or $196,603 at 6%; with 50% employer match about $196,603 at 4% or $131,069 at 6%; with 100% employer match about $147,452 at 4% or $98,301 at 6%.
Ohio Operating Engineers Health & Welfare Plan-6,816$127,089,604$80,402,708$11,796iApproximate average salary by contribution assumption: employee only about $294,904 at 4% or $196,603 at 6%; with 50% employer match about $196,603 at 4% or $131,069 at 6%; with 100% employer match about $147,452 at 4% or $98,301 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-22$7,340,149--
200828,488$124,891,063$84,361,221$9,939iApproximate average salary by contribution assumption: employee only about $248,472 at 4% or $165,648 at 6%; with 50% employer match about $165,648 at 4% or $110,432 at 6%; with 100% employer match about $124,236 at 4% or $82,824 at 6%.
Ohio Operating Engineers Health & Welfare Plan-8,488$124,891,063$84,361,221$9,939iApproximate average salary by contribution assumption: employee only about $248,472 at 4% or $165,648 at 6%; with 50% employer match about $165,648 at 4% or $110,432 at 6%; with 100% employer match about $124,236 at 4% or $82,824 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-25---
200727,705$0$0-
Ohio Operating Engineers Health & Welfare Plan-7,705---
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-27---
200628,877$123,922,779$82,004,633$9,238iApproximate average salary by contribution assumption: employee only about $230,947 at 4% or $153,965 at 6%; with 50% employer match about $153,965 at 4% or $102,643 at 6%; with 100% employer match about $115,473 at 4% or $76,982 at 6%.
Ohio Operating Engineers Health & Welfare Plan-8,877$115,349,045$81,402,036$9,170iApproximate average salary by contribution assumption: employee only about $229,250 at 4% or $152,833 at 6%; with 50% employer match about $152,833 at 4% or $101,889 at 6%; with 100% employer match about $114,625 at 4% or $76,417 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-24$8,573,734$602,597$25,108iApproximate average salary by contribution assumption: employee only about $627,705 at 4% or $418,470 at 6%; with 50% employer match about $418,470 at 4% or $278,980 at 6%; with 100% employer match about $313,853 at 4% or $209,235 at 6%.
200527,398$111,987,014$82,668,710$11,174iApproximate average salary by contribution assumption: employee only about $279,362 at 4% or $186,241 at 6%; with 50% employer match about $186,241 at 4% or $124,161 at 6%; with 100% employer match about $139,681 at 4% or $93,121 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,398$104,627,895$82,476,547$11,148iApproximate average salary by contribution assumption: employee only about $278,712 at 4% or $185,808 at 6%; with 50% employer match about $185,808 at 4% or $123,872 at 6%; with 100% employer match about $139,356 at 4% or $92,904 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-30$7,359,119$192,163$6,405iApproximate average salary by contribution assumption: employee only about $160,136 at 4% or $106,757 at 6%; with 50% employer match about $106,757 at 4% or $71,171 at 6%; with 100% employer match about $80,068 at 4% or $53,379 at 6%.
200427,303$102,038,878$74,827,731$10,246iApproximate average salary by contribution assumption: employee only about $256,154 at 4% or $170,769 at 6%; with 50% employer match about $170,769 at 4% or $113,846 at 6%; with 100% employer match about $128,077 at 4% or $85,385 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,303$94,892,846$74,472,718$10,198iApproximate average salary by contribution assumption: employee only about $254,939 at 4% or $169,959 at 6%; with 50% employer match about $169,959 at 4% or $113,306 at 6%; with 100% employer match about $127,469 at 4% or $84,980 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-30$7,146,032$355,013$11,834iApproximate average salary by contribution assumption: employee only about $295,844 at 4% or $197,229 at 6%; with 50% employer match about $197,229 at 4% or $131,486 at 6%; with 100% employer match about $147,922 at 4% or $98,615 at 6%.
200327,786$90,947,472$63,986,968$8,218iApproximate average salary by contribution assumption: employee only about $205,455 at 4% or $136,970 at 6%; with 50% employer match about $136,970 at 4% or $91,313 at 6%; with 100% employer match about $102,728 at 4% or $68,485 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,786$90,947,472$63,986,968$8,218iApproximate average salary by contribution assumption: employee only about $205,455 at 4% or $136,970 at 6%; with 50% employer match about $136,970 at 4% or $91,313 at 6%; with 100% employer match about $102,728 at 4% or $68,485 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-31---
200227,612$86,709,054$55,745,791$7,323iApproximate average salary by contribution assumption: employee only about $183,085 at 4% or $122,057 at 6%; with 50% employer match about $122,057 at 4% or $81,371 at 6%; with 100% employer match about $91,543 at 4% or $61,028 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,612$86,709,054$55,745,791$7,323iApproximate average salary by contribution assumption: employee only about $183,085 at 4% or $122,057 at 6%; with 50% employer match about $122,057 at 4% or $81,371 at 6%; with 100% employer match about $91,543 at 4% or $61,028 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-31---
200127,607$108,509,237$53,382,283$7,018iApproximate average salary by contribution assumption: employee only about $175,438 at 4% or $116,959 at 6%; with 50% employer match about $116,959 at 4% or $77,972 at 6%; with 100% employer match about $87,719 at 4% or $58,479 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,607$108,509,237$53,382,283$7,018iApproximate average salary by contribution assumption: employee only about $175,438 at 4% or $116,959 at 6%; with 50% employer match about $116,959 at 4% or $77,972 at 6%; with 100% employer match about $87,719 at 4% or $58,479 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-68---
200027,755$0$0-
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-68---
Ohio Operating Engineers Health & Welfare Plan-7,755---
199927,507$109,811,820$55,290,395$7,365iApproximate average salary by contribution assumption: employee only about $184,129 at 4% or $122,753 at 6%; with 50% employer match about $122,753 at 4% or $81,835 at 6%; with 100% employer match about $92,065 at 4% or $61,376 at 6%.
Ohio Operating Engineers Health & Welfare Plan-7,507$103,470,042$55,081,110$7,337iApproximate average salary by contribution assumption: employee only about $183,432 at 4% or $122,288 at 6%; with 50% employer match about $122,288 at 4% or $81,526 at 6%; with 100% employer match about $91,716 at 4% or $61,144 at 6%.
Ohio Operating Engineers Health & Welfare Staff Emps Pension Plan-67$6,341,778$209,285$3,124iApproximate average salary by contribution assumption: employee only about $78,091 at 4% or $52,061 at 6%; with 50% employer match about $52,061 at 4% or $34,707 at 6%; with 100% employer match about $39,046 at 4% or $26,030 at 6%.