The James B. Oswald Co.
Plan context: The James B. Oswald Co. 401K Plan & Trust
EIN 34-0445620 • 63 filings • 11 plans
Current Snapshot
Latest Year
2024
2024 Participants
1,013
2024 Assets
$211,959,981
2024 Contributions
$24,087,235
Historical Graphs
Total Assets Over Time
Aggregate end-of-year assets by filing year, excluding zero-asset years
Participants Over Time
Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans
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 / Filing | Filings | Participants | Assets | Contributions | Contrib./Participant |
|---|---|---|---|---|---|
| 2024 | 2 | 1,013 | $211,959,981 | $24,087,235 | $23,778iApproximate average salary by contribution assumption: employee only about $594,453 at 4% or $396,302 at 6%; with 50% employer match about $396,302 at 4% or $264,201 at 6%; with 100% employer match about $297,226 at 4% or $198,151 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 1,013 | $211,959,981 | $24,087,235 | $23,778iApproximate average salary by contribution assumption: employee only about $594,453 at 4% or $396,302 at 6%; with 50% employer match about $396,302 at 4% or $264,201 at 6%; with 100% employer match about $297,226 at 4% or $198,151 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 878 | - | - | - |
| 2023 | 2 | 747 | $196,288,906 | $10,039,486 | $13,440iApproximate average salary by contribution assumption: employee only about $335,994 at 4% or $223,996 at 6%; with 50% employer match about $223,996 at 4% or $149,330 at 6%; with 100% employer match about $167,997 at 4% or $111,998 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 747 | $196,288,906 | $10,039,486 | $13,440iApproximate average salary by contribution assumption: employee only about $335,994 at 4% or $223,996 at 6%; with 50% employer match about $223,996 at 4% or $149,330 at 6%; with 100% employer match about $167,997 at 4% or $111,998 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 451 | - | - | - |
| 2022 | 2 | 618 | $169,021,148 | $9,318,948 | $15,079iApproximate average salary by contribution assumption: employee only about $376,980 at 4% or $251,320 at 6%; with 50% employer match about $251,320 at 4% or $167,547 at 6%; with 100% employer match about $188,490 at 4% or $125,660 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 618 | $169,021,148 | $9,318,948 | $15,079iApproximate average salary by contribution assumption: employee only about $376,980 at 4% or $251,320 at 6%; with 50% employer match about $251,320 at 4% or $167,547 at 6%; with 100% employer match about $188,490 at 4% or $125,660 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 366 | - | - | - |
| 2021 | 2 | 399 | $140,150,530 | $6,215,811 | $15,578iApproximate average salary by contribution assumption: employee only about $389,462 at 4% or $259,641 at 6%; with 50% employer match about $259,641 at 4% or $173,094 at 6%; with 100% employer match about $194,731 at 4% or $129,821 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 380 | $140,150,530 | $6,215,811 | $16,357iApproximate average salary by contribution assumption: employee only about $408,935 at 4% or $272,623 at 6%; with 50% employer match about $272,623 at 4% or $181,749 at 6%; with 100% employer match about $204,467 at 4% or $136,312 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 399 | - | - | - |
| 2020 | 2 | 367 | $89,262,540 | $5,773,156 | $15,731iApproximate average salary by contribution assumption: employee only about $393,267 at 4% or $262,178 at 6%; with 50% employer match about $262,178 at 4% or $174,785 at 6%; with 100% employer match about $196,633 at 4% or $131,089 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 367 | $89,262,540 | $5,773,156 | $15,731iApproximate average salary by contribution assumption: employee only about $393,267 at 4% or $262,178 at 6%; with 50% employer match about $262,178 at 4% or $174,785 at 6%; with 100% employer match about $196,633 at 4% or $131,089 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 366 | - | - | - |
| 2019 | 3 | 392 | $76,665,775 | $43,069,779 | $109,872iApproximate average salary by contribution assumption: employee only about $2,746,797 at 4% or $1,831,198 at 6%; with 50% employer match about $1,831,198 at 4% or $1,220,799 at 6%; with 100% employer match about $1,373,399 at 4% or $915,599 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 392 | $76,665,775 | $43,069,779 | $109,872iApproximate average salary by contribution assumption: employee only about $2,746,797 at 4% or $1,831,198 at 6%; with 50% employer match about $1,831,198 at 4% or $1,220,799 at 6%; with 100% employer match about $1,373,399 at 4% or $915,599 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 383 | - | - | - |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 0 | - | - | - |
| 2018 | 3 | 365 | $72,114,480 | $5,253,962 | $14,394iApproximate average salary by contribution assumption: employee only about $359,860 at 4% or $239,907 at 6%; with 50% employer match about $239,907 at 4% or $159,938 at 6%; with 100% employer match about $179,930 at 4% or $119,953 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 345 | $42,423,179 | $1,101,721 | $3,193iApproximate average salary by contribution assumption: employee only about $79,835 at 4% or $53,223 at 6%; with 50% employer match about $53,223 at 4% or $35,482 at 6%; with 100% employer match about $39,917 at 4% or $26,612 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 365 | $29,691,301 | $4,152,241 | $11,376iApproximate average salary by contribution assumption: employee only about $284,400 at 4% or $189,600 at 6%; with 50% employer match about $189,600 at 4% or $126,400 at 6%; with 100% employer match about $142,200 at 4% or $94,800 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 358 | - | - | - |
| 2017 | 3 | 357 | $69,756,467 | $5,789,066 | $16,216iApproximate average salary by contribution assumption: employee only about $405,397 at 4% or $270,265 at 6%; with 50% employer match about $270,265 at 4% or $180,176 at 6%; with 100% employer match about $202,698 at 4% or $135,132 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 342 | $39,395,979 | $1,070,415 | $3,130iApproximate average salary by contribution assumption: employee only about $78,247 at 4% or $52,164 at 6%; with 50% employer match about $52,164 at 4% or $34,776 at 6%; with 100% employer match about $39,123 at 4% or $26,082 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 357 | $30,360,488 | $4,718,651 | $13,218iApproximate average salary by contribution assumption: employee only about $330,438 at 4% or $220,292 at 6%; with 50% employer match about $220,292 at 4% or $146,861 at 6%; with 100% employer match about $165,219 at 4% or $110,146 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 349 | - | - | - |
| 2016 | 3 | 356 | $56,451,600 | $5,037,799 | $14,151iApproximate average salary by contribution assumption: employee only about $353,778 at 4% or $235,852 at 6%; with 50% employer match about $235,852 at 4% or $157,235 at 6%; with 100% employer match about $176,889 at 4% or $117,926 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 335 | $33,244,564 | $965,468 | $2,882iApproximate average salary by contribution assumption: employee only about $72,050 at 4% or $48,033 at 6%; with 50% employer match about $48,033 at 4% or $32,022 at 6%; with 100% employer match about $36,025 at 4% or $24,017 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 356 | $23,207,036 | $4,072,331 | $11,439iApproximate average salary by contribution assumption: employee only about $285,978 at 4% or $190,652 at 6%; with 50% employer match about $190,652 at 4% or $127,101 at 6%; with 100% employer match about $142,989 at 4% or $95,326 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 352 | - | - | - |
| 2015 | 3 | 326 | $49,564,987 | $4,248,672 | $13,033iApproximate average salary by contribution assumption: employee only about $325,818 at 4% or $217,212 at 6%; with 50% employer match about $217,212 at 4% or $144,808 at 6%; with 100% employer match about $162,909 at 4% or $108,606 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 326 | $30,209,551 | $846,184 | $2,596iApproximate average salary by contribution assumption: employee only about $64,891 at 4% or $43,261 at 6%; with 50% employer match about $43,261 at 4% or $28,841 at 6%; with 100% employer match about $32,446 at 4% or $21,630 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 310 | $19,355,436 | $3,402,488 | $10,976iApproximate average salary by contribution assumption: employee only about $274,394 at 4% or $182,929 at 6%; with 50% employer match about $182,929 at 4% or $121,953 at 6%; with 100% employer match about $137,197 at 4% or $91,465 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 317 | - | - | - |
| 2014 | 4 | 330 | $47,493,616 | $3,408,734 | $10,329iApproximate average salary by contribution assumption: employee only about $258,237 at 4% or $172,158 at 6%; with 50% employer match about $172,158 at 4% or $114,772 at 6%; with 100% employer match about $129,119 at 4% or $86,079 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 330 | $29,921,408 | $762,379 | $2,310iApproximate average salary by contribution assumption: employee only about $57,756 at 4% or $38,504 at 6%; with 50% employer match about $38,504 at 4% or $25,669 at 6%; with 100% employer match about $28,878 at 4% or $19,252 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 290 | $17,572,208 | $2,646,355 | $9,125iApproximate average salary by contribution assumption: employee only about $228,134 at 4% or $152,089 at 6%; with 50% employer match about $152,089 at 4% or $101,393 at 6%; with 100% employer match about $114,067 at 4% or $76,045 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 276 | - | - | - |
| THE JAMES B. OSWALD COMPANY HEALTH REIMBURSEMENT PLAN | - | 150 | - | - | - |
| 2013 | 3 | 315 | $39,042,608 | $3,182,668 | $10,104iApproximate average salary by contribution assumption: employee only about $252,593 at 4% or $168,395 at 6%; with 50% employer match about $168,395 at 4% or $112,263 at 6%; with 100% employer match about $126,296 at 4% or $84,198 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 315 | $23,992,620 | $693,712 | $2,202iApproximate average salary by contribution assumption: employee only about $55,057 at 4% or $36,704 at 6%; with 50% employer match about $36,704 at 4% or $24,470 at 6%; with 100% employer match about $27,528 at 4% or $18,352 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 272 | $15,049,988 | $2,488,956 | $9,151iApproximate average salary by contribution assumption: employee only about $228,764 at 4% or $152,510 at 6%; with 50% employer match about $152,510 at 4% or $101,673 at 6%; with 100% employer match about $114,382 at 4% or $76,255 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 263 | - | - | - |
| 2012 | 3 | 288 | $31,641,839 | $2,572,830 | $8,933iApproximate average salary by contribution assumption: employee only about $223,336 at 4% or $148,891 at 6%; with 50% employer match about $148,891 at 4% or $99,260 at 6%; with 100% employer match about $111,668 at 4% or $74,445 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 288 | $20,528,535 | $1,230,000 | $4,271iApproximate average salary by contribution assumption: employee only about $106,771 at 4% or $71,181 at 6%; with 50% employer match about $71,181 at 4% or $47,454 at 6%; with 100% employer match about $53,385 at 4% or $35,590 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 254 | $11,113,304 | $1,342,830 | $5,287iApproximate average salary by contribution assumption: employee only about $132,168 at 4% or $88,112 at 6%; with 50% employer match about $88,112 at 4% or $58,741 at 6%; with 100% employer match about $66,084 at 4% or $44,056 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 244 | - | - | - |
| 2011 | 3 | 262 | $27,652,776 | $2,332,706 | $8,903iApproximate average salary by contribution assumption: employee only about $222,586 at 4% or $148,391 at 6%; with 50% employer match about $148,391 at 4% or $98,927 at 6%; with 100% employer match about $111,293 at 4% or $74,195 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 262 | $18,128,739 | $1,000,000 | $3,817iApproximate average salary by contribution assumption: employee only about $95,420 at 4% or $63,613 at 6%; with 50% employer match about $63,613 at 4% or $42,409 at 6%; with 100% employer match about $47,710 at 4% or $31,807 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 249 | $9,524,037 | $1,332,706 | $5,352iApproximate average salary by contribution assumption: employee only about $133,806 at 4% or $89,204 at 6%; with 50% employer match about $89,204 at 4% or $59,469 at 6%; with 100% employer match about $66,903 at 4% or $44,602 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 239 | - | - | - |
| 2010 | 3 | 238 | $24,875,335 | $2,257,883 | $9,487iApproximate average salary by contribution assumption: employee only about $237,173 at 4% or $158,115 at 6%; with 50% employer match about $158,115 at 4% or $105,410 at 6%; with 100% employer match about $118,586 at 4% or $79,058 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 220 | $15,578,067 | $1,100,000 | $5,000iApproximate average salary by contribution assumption: employee only about $125,000 at 4% or $83,333 at 6%; with 50% employer match about $83,333 at 4% or $55,556 at 6%; with 100% employer match about $62,500 at 4% or $41,667 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 238 | $9,297,268 | $1,157,883 | $4,865iApproximate average salary by contribution assumption: employee only about $121,626 at 4% or $81,084 at 6%; with 50% employer match about $81,084 at 4% or $54,056 at 6%; with 100% employer match about $60,813 at 4% or $40,542 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 227 | - | - | - |
| 2009 | 2 | 236 | $8,167,763 | $1,041,377 | $4,413iApproximate average salary by contribution assumption: employee only about $110,315 at 4% or $73,544 at 6%; with 50% employer match about $73,544 at 4% or $49,029 at 6%; with 100% employer match about $55,158 at 4% or $36,772 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 236 | $8,167,763 | $1,041,377 | $4,413iApproximate average salary by contribution assumption: employee only about $110,315 at 4% or $73,544 at 6%; with 50% employer match about $73,544 at 4% or $49,029 at 6%; with 100% employer match about $55,158 at 4% or $36,772 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 219 | - | - | - |
| 2008 | 2 | 225 | $6,012,038 | $1,197,884 | $5,324iApproximate average salary by contribution assumption: employee only about $133,098 at 4% or $88,732 at 6%; with 50% employer match about $88,732 at 4% or $59,155 at 6%; with 100% employer match about $66,549 at 4% or $44,366 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 225 | $6,012,038 | $1,197,884 | $5,324iApproximate average salary by contribution assumption: employee only about $133,098 at 4% or $88,732 at 6%; with 50% employer match about $88,732 at 4% or $59,155 at 6%; with 100% employer match about $66,549 at 4% or $44,366 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 208 | - | - | - |
| 2007 | 2 | 220 | $7,665,438 | $1,006,595 | $4,575iApproximate average salary by contribution assumption: employee only about $114,386 at 4% or $76,257 at 6%; with 50% employer match about $76,257 at 4% or $50,838 at 6%; with 100% employer match about $57,193 at 4% or $38,129 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 220 | $7,665,438 | $1,006,595 | $4,575iApproximate average salary by contribution assumption: employee only about $114,386 at 4% or $76,257 at 6%; with 50% employer match about $76,257 at 4% or $50,838 at 6%; with 100% employer match about $57,193 at 4% or $38,129 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 206 | - | - | - |
| 2006 | 2 | 217 | $6,252,877 | $1,090,815 | $5,027iApproximate average salary by contribution assumption: employee only about $125,670 at 4% or $83,780 at 6%; with 50% employer match about $83,780 at 4% or $55,853 at 6%; with 100% employer match about $62,835 at 4% or $41,890 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 217 | $6,252,877 | $1,090,815 | $5,027iApproximate average salary by contribution assumption: employee only about $125,670 at 4% or $83,780 at 6%; with 50% employer match about $83,780 at 4% or $55,853 at 6%; with 100% employer match about $62,835 at 4% or $41,890 at 6%. |
| Oswald Companies Welfare Benefit Plan | - | 205 | - | - | - |
| 2005 | 1 | 167 | $4,699,473 | $898,548 | $5,381iApproximate average salary by contribution assumption: employee only about $134,513 at 4% or $89,675 at 6%; with 50% employer match about $89,675 at 4% or $59,784 at 6%; with 100% employer match about $67,257 at 4% or $44,838 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 167 | $4,699,473 | $898,548 | $5,381iApproximate average salary by contribution assumption: employee only about $134,513 at 4% or $89,675 at 6%; with 50% employer match about $89,675 at 4% or $59,784 at 6%; with 100% employer match about $67,257 at 4% or $44,838 at 6%. |
| 2004 | 2 | 136 | $11,727,366 | $1,329,525 | $9,776iApproximate average salary by contribution assumption: employee only about $244,398 at 4% or $162,932 at 6%; with 50% employer match about $162,932 at 4% or $108,621 at 6%; with 100% employer match about $122,199 at 4% or $81,466 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 134 | $8,244,211 | $550,000 | $4,104iApproximate average salary by contribution assumption: employee only about $102,612 at 4% or $68,408 at 6%; with 50% employer match about $68,408 at 4% or $45,605 at 6%; with 100% employer match about $51,306 at 4% or $34,204 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 136 | $3,483,155 | $779,525 | $5,732iApproximate average salary by contribution assumption: employee only about $143,295 at 4% or $95,530 at 6%; with 50% employer match about $95,530 at 4% or $63,687 at 6%; with 100% employer match about $71,648 at 4% or $47,765 at 6%. |
| 2003 | 2 | 119 | $9,364,062 | $948,343 | $7,969iApproximate average salary by contribution assumption: employee only about $199,232 at 4% or $132,821 at 6%; with 50% employer match about $132,821 at 4% or $88,547 at 6%; with 100% employer match about $99,616 at 4% or $66,411 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 111 | $6,933,358 | $450,000 | $4,054iApproximate average salary by contribution assumption: employee only about $101,351 at 4% or $67,568 at 6%; with 50% employer match about $67,568 at 4% or $45,045 at 6%; with 100% employer match about $50,676 at 4% or $33,784 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 119 | $2,430,704 | $498,343 | $4,188iApproximate average salary by contribution assumption: employee only about $104,694 at 4% or $69,796 at 6%; with 50% employer match about $69,796 at 4% or $46,531 at 6%; with 100% employer match about $52,347 at 4% or $34,898 at 6%. |
| 2002 | 2 | 102 | $6,308,812 | $300,000 | $2,941iApproximate average salary by contribution assumption: employee only about $73,529 at 4% or $49,020 at 6%; with 50% employer match about $49,020 at 4% or $32,680 at 6%; with 100% employer match about $36,765 at 4% or $24,510 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 92 | $6,308,812 | $300,000 | $3,261iApproximate average salary by contribution assumption: employee only about $81,522 at 4% or $54,348 at 6%; with 50% employer match about $54,348 at 4% or $36,232 at 6%; with 100% employer match about $40,761 at 4% or $27,174 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 102 | - | - | - |
| 2001 | 2 | 86 | $7,867,381 | $567,618 | $6,600iApproximate average salary by contribution assumption: employee only about $165,005 at 4% or $110,003 at 6%; with 50% employer match about $110,003 at 4% or $73,336 at 6%; with 100% employer match about $82,503 at 4% or $55,002 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 86 | $5,706,407 | $250,000 | $2,907iApproximate average salary by contribution assumption: employee only about $72,674 at 4% or $48,450 at 6%; with 50% employer match about $48,450 at 4% or $32,300 at 6%; with 100% employer match about $36,337 at 4% or $24,225 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 72 | $2,160,974 | $317,618 | $4,411iApproximate average salary by contribution assumption: employee only about $110,284 at 4% or $73,523 at 6%; with 50% employer match about $73,523 at 4% or $49,015 at 6%; with 100% employer match about $55,142 at 4% or $36,761 at 6%. |
| 2000 | 3 | 74 | $5,146,260 | $250,000 | $3,378iApproximate average salary by contribution assumption: employee only about $84,459 at 4% or $56,306 at 6%; with 50% employer match about $56,306 at 4% or $37,538 at 6%; with 100% employer match about $42,230 at 4% or $28,153 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 74 | $5,146,260 | $250,000 | $3,378iApproximate average salary by contribution assumption: employee only about $84,459 at 4% or $56,306 at 6%; with 50% employer match about $56,306 at 4% or $37,538 at 6%; with 100% employer match about $42,230 at 4% or $28,153 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 66 | - | - | - |
| Oswald Companies Welfare Benefit Plan | - | 0 | - | - | - |
| 1999 | 2 | 76 | $11,291,335 | $687,290 | $9,043iApproximate average salary by contribution assumption: employee only about $226,082 at 4% or $150,721 at 6%; with 50% employer match about $150,721 at 4% or $100,481 at 6%; with 100% employer match about $113,041 at 4% or $75,361 at 6%. |
| The James B. Oswald Co. Employee Stock Ownership Plan | - | 76 | $8,791,666 | $274,377 | $3,610iApproximate average salary by contribution assumption: employee only about $90,256 at 4% or $60,170 at 6%; with 50% employer match about $60,170 at 4% or $40,114 at 6%; with 100% employer match about $45,128 at 4% or $30,085 at 6%. |
| The James B. Oswald Co. 401K Plan & Trust | - | 71 | $2,499,669 | $412,913 | $5,816iApproximate average salary by contribution assumption: employee only about $145,392 at 4% or $96,928 at 6%; with 50% employer match about $96,928 at 4% or $64,619 at 6%; with 100% employer match about $72,696 at 4% or $48,464 at 6%. |