Civic Intelligence

Mcdonalds Corporation and Subsidiaries

Plan context: Mcdonalds Corporation Profit Sharing Master Trust

EIN 36-2361282 • Chicago, IL • 273 filings • 88 plans

110 N Carpenter StChicago, IL 60607-4106
Current Snapshot

Latest Year

2024

2024 Participants

51,933

2024 Assets

$3,740,355,629

2024 Contributions

$127,506,571

Historical Graphs

Total Assets Over Time

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

$5,195,494,415$2,597,747,208$0199920122024YearValue
$3,740,355,629Latest year 2024

Participants Over Time

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

103,37451,6870199920122024YearValue
51,933Latest 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
2024751,933$3,740,355,629$127,506,571$2,455iApproximate average salary by contribution assumption: employee only about $61,380 at 4% or $40,920 at 6%; with 50% employer match about $40,920 at 4% or $27,280 at 6%; with 100% employer match about $30,690 at 4% or $20,460 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-24,044$3,740,355,629$127,506,571$5,303iApproximate average salary by contribution assumption: employee only about $132,576 at 4% or $88,384 at 6%; with 50% employer match about $88,384 at 4% or $58,923 at 6%; with 100% employer match about $66,288 at 4% or $44,192 at 6%.
Mcdonalds Corporate Group Life Insurance Plan-51,933---
Mcdonald'S Texas Injury Benefit Plan-4,090---
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Corporation Healthcare Spending Account Plan-1,627---
Mcdonald'S Corporation Employee Resource Connection-51,933---
Mcdonald'S Corportion Health Plan-51,933---
2023746,852$3,833,172,404$227,745,184$4,861iApproximate average salary by contribution assumption: employee only about $121,524 at 4% or $81,016 at 6%; with 50% employer match about $81,016 at 4% or $54,011 at 6%; with 100% employer match about $60,762 at 4% or $40,508 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-22,475$3,826,646,303$113,169,259$5,035iApproximate average salary by contribution assumption: employee only about $125,883 at 4% or $83,922 at 6%; with 50% employer match about $83,922 at 4% or $55,948 at 6%; with 100% employer match about $62,942 at 4% or $41,961 at 6%.
Mcdonald'S Corportion Health Plan-7,212$6,526,101$114,575,925$15,887iApproximate average salary by contribution assumption: employee only about $397,171 at 4% or $264,781 at 6%; with 50% employer match about $264,781 at 4% or $176,520 at 6%; with 100% employer match about $198,586 at 4% or $132,390 at 6%.
Mcdonald'S Corporation Employee Resource Connection-43,285---
Mcdonalds Corporate Group Life Insurance Plan-46,852---
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Corporation Healthcare Spending Account Plan-1,560---
Mcdonald'S Texas Injury Benefit Plan-4,070---
2022850,121$3,608,721,695$217,722,512$4,344iApproximate average salary by contribution assumption: employee only about $108,598 at 4% or $72,399 at 6%; with 50% employer match about $72,399 at 4% or $48,266 at 6%; with 100% employer match about $54,299 at 4% or $36,199 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-20,872$3,606,340,814$108,605,657$5,203iApproximate average salary by contribution assumption: employee only about $130,085 at 4% or $86,724 at 6%; with 50% employer match about $86,724 at 4% or $57,816 at 6%; with 100% employer match about $65,043 at 4% or $43,362 at 6%.
Mcdonald'S Corportion Health Plan-7,469$2,380,881$109,116,855$14,609iApproximate average salary by contribution assumption: employee only about $365,232 at 4% or $243,488 at 6%; with 50% employer match about $243,488 at 4% or $162,326 at 6%; with 100% employer match about $182,616 at 4% or $121,744 at 6%.
Mcdonald'S Corporation Employee Resource Connection-47,862---
Mcdonald'S Texas Injury Benefit Plan-3,837---
Mcdonald'S Corporation Severance Plan-----
MCDONALD'S CORPORATION OFFICER SEVERANCE PLAN-----
Mcdonalds Corporate Group Life Insurance Plan-50,121---
Mcdonald'S Corporation Healthcare Spending Account Plan-1,547---
2021850,591$4,173,097,210$202,302,706$3,999iApproximate average salary by contribution assumption: employee only about $99,970 at 4% or $66,646 at 6%; with 50% employer match about $66,646 at 4% or $44,431 at 6%; with 100% employer match about $49,985 at 4% or $33,323 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-20,441$4,171,139,861$95,083,126$4,652iApproximate average salary by contribution assumption: employee only about $116,290 at 4% or $77,526 at 6%; with 50% employer match about $77,526 at 4% or $51,684 at 6%; with 100% employer match about $58,145 at 4% or $38,763 at 6%.
Mcdonald'S Corportion Health Plan-7,606$1,957,349$107,219,580$14,097iApproximate average salary by contribution assumption: employee only about $352,418 at 4% or $234,945 at 6%; with 50% employer match about $234,945 at 4% or $156,630 at 6%; with 100% employer match about $176,209 at 4% or $117,473 at 6%.
Mcdonald'S Corporation Severance Plan-135---
Mcdonalds Corporate Group Life Insurance Plan-50,591---
Mcdonald'S Texas Injury Benefit Plan-3,937---
Mcdonald'S Corporation Employee Resource Connection-7,836---
Mcdonald'S Corporation Healthcare Spending Account Plan-1,575---
MCDONALD'S CORPORATION OFFICER SEVERANCE PLAN-6---
2020850,669$3,766,564,712$193,441,154$3,818iApproximate average salary by contribution assumption: employee only about $95,444 at 4% or $63,629 at 6%; with 50% employer match about $63,629 at 4% or $42,419 at 6%; with 100% employer match about $47,722 at 4% or $31,815 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-21,804$3,764,955,628$93,300,871$4,279iApproximate average salary by contribution assumption: employee only about $106,977 at 4% or $71,318 at 6%; with 50% employer match about $71,318 at 4% or $47,545 at 6%; with 100% employer match about $53,488 at 4% or $35,659 at 6%.
Mcdonald'S Corportion Health Plan-7,960$1,609,084$100,140,283$12,580iApproximate average salary by contribution assumption: employee only about $314,511 at 4% or $209,674 at 6%; with 50% employer match about $209,674 at 4% or $139,783 at 6%; with 100% employer match about $157,255 at 4% or $104,837 at 6%.
Mcdonald'S Corporation Employee Resource Connection-7,853---
Mcdonalds Corporate Group Life Insurance Plan-50,669---
Mcdonald'S Corporation Healthcare Spending Account Plan-1,641---
MCDONALD'S CORPORATION OFFICER SEVERANCE PLAN-4---
Mcdonald'S Corporation Severance Plan-52---
Mcdonald'S Texas Injury Benefit Plan-3,471---
2019854,314$3,611,923,653$176,988,406$3,259iApproximate average salary by contribution assumption: employee only about $81,465 at 4% or $54,310 at 6%; with 50% employer match about $54,310 at 4% or $36,207 at 6%; with 100% employer match about $40,733 at 4% or $27,155 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-22,663$3,610,501,719$78,705,687$3,473iApproximate average salary by contribution assumption: employee only about $86,822 at 4% or $57,881 at 6%; with 50% employer match about $57,881 at 4% or $38,587 at 6%; with 100% employer match about $43,411 at 4% or $28,941 at 6%.
Mcdonald'S Corportion Health Plan-7,723$1,421,934$98,282,719$12,726iApproximate average salary by contribution assumption: employee only about $318,149 at 4% or $212,100 at 6%; with 50% employer match about $212,100 at 4% or $141,400 at 6%; with 100% employer match about $159,075 at 4% or $106,050 at 6%.
Mcdonalds Corporate Group Life Insurance Plan-54,314---
Mcdonald'S Corporation Healthcare Spending Account Plan-1,625---
Mcdonald'S Corporation Severance Plan-99---
Mcdonald'S Texas Injury Benefit Plan-3,824---
MCDONALD'S CORPORATION OFFICER SEVERANCE PLAN-7---
Mcdonald'S Corporation Employee Resource Connection-7,904---
2018759,358$3,325,221,716$172,916,925$2,913iApproximate average salary by contribution assumption: employee only about $72,828 at 4% or $48,552 at 6%; with 50% employer match about $48,552 at 4% or $32,368 at 6%; with 100% employer match about $36,414 at 4% or $24,276 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-22,420$3,323,613,275$66,323,623$2,958iApproximate average salary by contribution assumption: employee only about $73,956 at 4% or $49,304 at 6%; with 50% employer match about $49,304 at 4% or $32,869 at 6%; with 100% employer match about $36,978 at 4% or $24,652 at 6%.
Mcdonald'S Corportion Health Plan-7,862$1,608,441$106,593,302$13,558iApproximate average salary by contribution assumption: employee only about $338,951 at 4% or $225,967 at 6%; with 50% employer match about $225,967 at 4% or $150,645 at 6%; with 100% employer match about $169,475 at 4% or $112,984 at 6%.
Mcdonalds Corporate Group Life Insurance Plan-59,358---
Mcdonald'S Texas Injury Benefit Plan-4,033---
Mcdonald'S Corporation Employee Resource Connection-8,173---
Mcdonald'S Corporation Severance Plan-280---
Mcdonald'S Corporation Healthcare Spending Account Plan-1,749---
2017765,884$3,619,025,086$183,583,185$2,786iApproximate average salary by contribution assumption: employee only about $69,662 at 4% or $46,441 at 6%; with 50% employer match about $46,441 at 4% or $30,961 at 6%; with 100% employer match about $34,831 at 4% or $23,221 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-29,610$3,617,208,921$67,928,141$2,294iApproximate average salary by contribution assumption: employee only about $57,352 at 4% or $38,235 at 6%; with 50% employer match about $38,235 at 4% or $25,490 at 6%; with 100% employer match about $28,676 at 4% or $19,117 at 6%.
Mcdonald'S Corportion Health Plan-9,724$1,816,165$115,655,044$11,894iApproximate average salary by contribution assumption: employee only about $297,344 at 4% or $198,230 at 6%; with 50% employer match about $198,230 at 4% or $132,153 at 6%; with 100% employer match about $148,672 at 4% or $99,115 at 6%.
Mcdonald'S Corporation Employee Resource Connection-10,072---
Mcdonald'S Corporation Severance Plan-431---
Mcdonald'S Corporation Healthcare Spending Account Plan-2,479---
Mcdonald'S Texas Injury Benefit Plan-4,446---
Mcdonalds Corporate Group Life Insurance Plan-65,884---
2016779,879$3,160,240,159$81,172,548$1,016iApproximate average salary by contribution assumption: employee only about $25,405 at 4% or $16,937 at 6%; with 50% employer match about $16,937 at 4% or $11,291 at 6%; with 100% employer match about $12,702 at 4% or $8,468 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-39,171$3,160,155,044$71,077,598$1,815iApproximate average salary by contribution assumption: employee only about $45,364 at 4% or $30,242 at 6%; with 50% employer match about $30,242 at 4% or $20,162 at 6%; with 100% employer match about $22,682 at 4% or $15,121 at 6%.
Mcdonald'S Corportion Health Plan-11,668$85,115$10,094,950$865iApproximate average salary by contribution assumption: employee only about $21,630 at 4% or $14,420 at 6%; with 50% employer match about $14,420 at 4% or $9,613 at 6%; with 100% employer match about $10,815 at 4% or $7,210 at 6%.
Mcdonald'S Texas Injury Benefit Plan-5,250---
Mcdonalds Corporate Group Life Insurance Plan-79,879---
Mcdonald'S Corporation Employee Resource Connection-12,009---
Mcdonald'S Corporation Healthcare Spending Account Plan-3,014---
Mcdonald'S Corporation Severance Plan-413---
20158103,374$3,216,638,349$194,974,958$1,886iApproximate average salary by contribution assumption: employee only about $47,153 at 4% or $31,435 at 6%; with 50% employer match about $31,435 at 4% or $20,957 at 6%; with 100% employer match about $23,576 at 4% or $15,718 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-40,964$3,216,638,349$77,305,904$1,887iApproximate average salary by contribution assumption: employee only about $47,179 at 4% or $31,453 at 6%; with 50% employer match about $31,453 at 4% or $20,969 at 6%; with 100% employer match about $23,590 at 4% or $15,726 at 6%.
Mcdonalds Corporate Group Life Insurance Plan-103,374---
Mcdonald'S Texas Injury Benefit Plan-5,478---
Mcdonald'S Corporation Healthcare Spending Account Plan-3,206---
Mcdonald'S Corporation Employee Resource Connection-14,078---
Mcdonald'S Corporation Severance Plan-589---
Mcdonald'S Corportion Health Plan-11,764-$117,669,054$10,002iApproximate average salary by contribution assumption: employee only about $250,062 at 4% or $166,708 at 6%; with 50% employer match about $166,708 at 4% or $111,139 at 6%; with 100% employer match about $125,031 at 4% or $83,354 at 6%.
MCDONALD'S CORPORATION RETIREE MEDICAL PLAN-0---
2014896,803$3,248,958,484$214,293,807$2,214iApproximate average salary by contribution assumption: employee only about $55,343 at 4% or $36,895 at 6%; with 50% employer match about $36,895 at 4% or $24,597 at 6%; with 100% employer match about $27,671 at 4% or $18,448 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-42,507$3,232,726,936$79,179,494$1,863iApproximate average salary by contribution assumption: employee only about $46,569 at 4% or $31,046 at 6%; with 50% employer match about $31,046 at 4% or $20,697 at 6%; with 100% employer match about $23,284 at 4% or $15,523 at 6%.
Mcdonald'S Corportion Health Plan-12,633$14,852,412$133,914,457$10,600iApproximate average salary by contribution assumption: employee only about $265,009 at 4% or $176,673 at 6%; with 50% employer match about $176,673 at 4% or $117,782 at 6%; with 100% employer match about $132,505 at 4% or $88,336 at 6%.
MCDONALD'S CORPORATION RETIREE MEDICAL PLAN-85$1,379,136$1,199,856$14,116iApproximate average salary by contribution assumption: employee only about $352,899 at 4% or $235,266 at 6%; with 50% employer match about $235,266 at 4% or $156,844 at 6%; with 100% employer match about $176,449 at 4% or $117,633 at 6%.
Mcdonald'S Corporation Employee Resource Connection-15,567---
Mcdonald'S Corporation Healthcare Spending Account Plan-3,212---
Mcdonald'S Texas Injury Benefit Plan-5,432---
Mcdonalds Corporate Group Life Insurance Plan-96,803---
Mcdonald'S Corporation Severance Plan-59---
20138101,213$3,313,156,252$185,809,124$1,836iApproximate average salary by contribution assumption: employee only about $45,896 at 4% or $30,597 at 6%; with 50% employer match about $30,597 at 4% or $20,398 at 6%; with 100% employer match about $22,948 at 4% or $15,299 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-43,820$3,302,396,343$73,111,293$1,668iApproximate average salary by contribution assumption: employee only about $41,711 at 4% or $27,807 at 6%; with 50% employer match about $27,807 at 4% or $18,538 at 6%; with 100% employer match about $20,856 at 4% or $13,904 at 6%.
Mcdonald'S Corportion Health Plan-11,054$9,787,046$111,268,584$10,066iApproximate average salary by contribution assumption: employee only about $251,648 at 4% or $167,765 at 6%; with 50% employer match about $167,765 at 4% or $111,843 at 6%; with 100% employer match about $125,824 at 4% or $83,883 at 6%.
MCDONALD'S CORPORATION RETIREE MEDICAL PLAN-94$972,863$1,429,247$15,205iApproximate average salary by contribution assumption: employee only about $380,119 at 4% or $253,413 at 6%; with 50% employer match about $253,413 at 4% or $168,942 at 6%; with 100% employer match about $190,059 at 4% or $126,706 at 6%.
Mcdonald'S Corporation Employee Resource Connection-15,243---
Mcdonald'S Corporation Healthcare Spending Account Plan-2,854---
Mcdonalds Corporate Group Life Insurance Plan-101,213---
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Texas Injury Benefit Plan-5,500---
20128103,026$3,054,064,676$200,278,751$1,944iApproximate average salary by contribution assumption: employee only about $48,599 at 4% or $32,399 at 6%; with 50% employer match about $32,399 at 4% or $21,600 at 6%; with 100% employer match about $24,300 at 4% or $16,200 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-45,542$3,040,797,498$71,284,979$1,565iApproximate average salary by contribution assumption: employee only about $39,131 at 4% or $26,088 at 6%; with 50% employer match about $26,088 at 4% or $17,392 at 6%; with 100% employer match about $19,566 at 4% or $13,044 at 6%.
Mcdonald'S Corportion Health Plan-10,453$12,704,893$127,115,086$12,161iApproximate average salary by contribution assumption: employee only about $304,016 at 4% or $202,677 at 6%; with 50% employer match about $202,677 at 4% or $135,118 at 6%; with 100% employer match about $152,008 at 4% or $101,339 at 6%.
MCDONALD'S CORPORATION RETIREE MEDICAL PLAN-122$562,285$1,878,686$15,399iApproximate average salary by contribution assumption: employee only about $384,977 at 4% or $256,651 at 6%; with 50% employer match about $256,651 at 4% or $171,101 at 6%; with 100% employer match about $192,488 at 4% or $128,326 at 6%.
Mcdonald'S Corporation Employee Resource Connection-15,386---
Mcdonald'S Corporation Healthcare Spending Account Plan-2,882---
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Texas Injury Benefit Plan-5,942---
Mcdonalds Corporate Group Life Insurance Plan-103,026---
20111198,596$3,183,931,823$191,996,466$1,947iApproximate average salary by contribution assumption: employee only about $48,683 at 4% or $32,455 at 6%; with 50% employer match about $32,455 at 4% or $21,637 at 6%; with 100% employer match about $24,341 at 4% or $16,228 at 6%.
Mcdonalds Corporation Profit Sharing Master Trust-43,857$3,174,384,124$77,590,345$1,769iApproximate average salary by contribution assumption: employee only about $44,229 at 4% or $29,486 at 6%; with 50% employer match about $29,486 at 4% or $19,657 at 6%; with 100% employer match about $22,115 at 4% or $14,743 at 6%.
Mcdonald'S Corportion Health Plan-10,439$8,611,036$112,557,161$10,782iApproximate average salary by contribution assumption: employee only about $269,559 at 4% or $179,706 at 6%; with 50% employer match about $179,706 at 4% or $119,804 at 6%; with 100% employer match about $134,780 at 4% or $89,853 at 6%.
MCDONALD'S CORPORATION RETIREE MEDICAL PLAN-128$936,663$1,848,960$14,445iApproximate average salary by contribution assumption: employee only about $361,125 at 4% or $240,750 at 6%; with 50% employer match about $240,750 at 4% or $160,500 at 6%; with 100% employer match about $180,563 at 4% or $120,375 at 6%.
Mcdonaldis Corporation Group in Surance Plan - Long Term Disability-0---
Mcdonald'S Corporation Healthcare Spending Account Plan-2,774---
Mcdonald'S Corporation Employee Resource Connection-14,832---
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Texas Injury Benefit Plan-7,037---
MCDONALD'S LONG TERM CARE PLAN-0---
Mcdonalds Corporate Group Life Insurance Plan-98,596---
Mcdondalds Travel Accident Insurance-0---
20101943,701$2,875,183,469$201,501,670$4,611iApproximate average salary by contribution assumption: employee only about $115,273 at 4% or $76,849 at 6%; with 50% employer match about $76,849 at 4% or $51,232 at 6%; with 100% employer match about $57,636 at 4% or $38,424 at 6%.
Mcdonald'S Corporation Severance Plan-----
Mcdonald'S Corporation Employee Resource Connection-14,640---
Mcdonald'S Corporation Healthcare Spending Account Plan-2,774---
Mcdonalds Corporate Group Life Insurance Plan-14,778---
Mcdonald'S Texas Injury Benefit Plan-7,324---
Mcdonaldis Corporation Group in Surance Plan - Long Term Disability-14,548---
Mcdondalds Travel Accident Insurance-16,462---
MCDONALD'S LONG TERM CARE PLAN-364---
MCDONALD'S INSURANCE PROGRAM (LIFE)-0-$334,847-
MCDONALD'S INSURANCE PROGRAM (DENTAL)-0-$2,217,060-
20092043,386$2,580,254,554$186,934,528$4,309iApproximate average salary by contribution assumption: employee only about $107,716 at 4% or $71,811 at 6%; with 50% employer match about $71,811 at 4% or $47,874 at 6%; with 100% employer match about $53,858 at 4% or $35,905 at 6%.
20081442,063$2,330,566,150$88,296,969$2,099iApproximate average salary by contribution assumption: employee only about $52,479 at 4% or $34,986 at 6%; with 50% employer match about $34,986 at 4% or $23,324 at 6%; with 100% employer match about $26,240 at 4% or $17,493 at 6%.
20071442,472$5,195,494,415$100,863,166$2,375iApproximate average salary by contribution assumption: employee only about $59,370 at 4% or $39,580 at 6%; with 50% employer match about $39,580 at 4% or $26,387 at 6%; with 100% employer match about $29,685 at 4% or $19,790 at 6%.
20061638,850$4,560,167,376$115,259,590$2,967iApproximate average salary by contribution assumption: employee only about $74,170 at 4% or $49,446 at 6%; with 50% employer match about $49,446 at 4% or $32,964 at 6%; with 100% employer match about $37,085 at 4% or $24,723 at 6%.
20051839,175$3,964,051,958$222,087,429$5,669iApproximate average salary by contribution assumption: employee only about $141,728 at 4% or $94,485 at 6%; with 50% employer match about $94,485 at 4% or $62,990 at 6%; with 100% employer match about $70,864 at 4% or $47,243 at 6%.
20041318,612$24,533,739$111,763,588$6,005iApproximate average salary by contribution assumption: employee only about $150,123 at 4% or $100,082 at 6%; with 50% employer match about $100,082 at 4% or $66,721 at 6%; with 100% employer match about $75,062 at 4% or $50,041 at 6%.
20031243,063$1,692,140,758$103,953,984$2,414iApproximate average salary by contribution assumption: employee only about $60,350 at 4% or $40,233 at 6%; with 50% employer match about $40,233 at 4% or $26,822 at 6%; with 100% employer match about $30,175 at 4% or $20,117 at 6%.
20021242,196$1,317,962,504$79,443,626$1,883iApproximate average salary by contribution assumption: employee only about $47,068 at 4% or $31,379 at 6%; with 50% employer match about $31,379 at 4% or $20,919 at 6%; with 100% employer match about $23,534 at 4% or $15,689 at 6%.
20011334,850$2,814,339,120$166,954,270$4,791iApproximate average salary by contribution assumption: employee only about $119,766 at 4% or $79,844 at 6%; with 50% employer match about $79,844 at 4% or $53,229 at 6%; with 100% employer match about $59,883 at 4% or $39,922 at 6%.
2000728,199$3,410,101,524$154,472,784$5,478iApproximate average salary by contribution assumption: employee only about $136,949 at 4% or $91,299 at 6%; with 50% employer match about $91,299 at 4% or $60,866 at 6%; with 100% employer match about $68,474 at 4% or $45,650 at 6%.
1999518,089$1,115,906,721$43,388,293$2,399iApproximate average salary by contribution assumption: employee only about $59,965 at 4% or $39,977 at 6%; with 50% employer match about $39,977 at 4% or $26,651 at 6%; with 100% employer match about $29,983 at 4% or $19,988 at 6%.