Civic Intelligence

Horace Mann Service Corporation

Plan context: Horace Mann Supplemental Retirement & Savings Plan

EIN 37-0972590 • 188 filings • 12 plans

Current Snapshot

Latest Year

2024

2024 Participants

1,785

2024 Assets

$278,960,201

2024 Contributions

$24,450,019

Historical Graphs

Total Assets Over Time

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

$308,507,782$154,253,891$0199920122024YearValue
$278,960,201Latest year 2024

Participants Over Time

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

3,8221,9110199920122024YearValue
1,785Latest 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
202441,785$278,960,201$24,450,019$13,697iApproximate average salary by contribution assumption: employee only about $342,437 at 4% or $228,291 at 6%; with 50% employer match about $228,291 at 4% or $152,194 at 6%; with 100% employer match about $171,219 at 4% or $114,146 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,785$265,930,652$23,604,019$13,224iApproximate average salary by contribution assumption: employee only about $330,589 at 4% or $220,392 at 6%; with 50% employer match about $220,392 at 4% or $146,928 at 6%; with 100% employer match about $165,294 at 4% or $110,196 at 6%.
Horace Mann Pension Plan-88$13,029,549$846,000$9,614iApproximate average salary by contribution assumption: employee only about $240,341 at 4% or $160,227 at 6%; with 50% employer match about $160,227 at 4% or $106,818 at 6%; with 100% employer match about $120,170 at 4% or $80,114 at 6%.
Horace Mann Companies Serverance Pay Plan-1,727---
Horace Mann Service Corporation Health and Welfare Plan-1,747---
202341,807$259,736,696$23,918,763$13,237iApproximate average salary by contribution assumption: employee only about $330,918 at 4% or $220,612 at 6%; with 50% employer match about $220,612 at 4% or $147,075 at 6%; with 100% employer match about $165,459 at 4% or $110,306 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,787$245,813,996$23,071,763$12,911iApproximate average salary by contribution assumption: employee only about $322,772 at 4% or $215,182 at 6%; with 50% employer match about $215,182 at 4% or $143,454 at 6%; with 100% employer match about $161,386 at 4% or $107,591 at 6%.
Horace Mann Pension Plan-103$13,922,700$847,000$8,223iApproximate average salary by contribution assumption: employee only about $205,583 at 4% or $137,055 at 6%; with 50% employer match about $137,055 at 4% or $91,370 at 6%; with 100% employer match about $102,791 at 4% or $68,528 at 6%.
Horace Mann Companies Serverance Pay Plan-1,785---
Horace Mann Service Corporation Health and Welfare Plan-1,807---
202241,728$220,412,042$20,238,571$11,712iApproximate average salary by contribution assumption: employee only about $292,803 at 4% or $195,202 at 6%; with 50% employer match about $195,202 at 4% or $130,135 at 6%; with 100% employer match about $146,402 at 4% or $97,601 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,709$206,834,307$20,238,571$11,842iApproximate average salary by contribution assumption: employee only about $296,059 at 4% or $197,372 at 6%; with 50% employer match about $197,372 at 4% or $131,582 at 6%; with 100% employer match about $148,029 at 4% or $98,686 at 6%.
Horace Mann Pension Plan-112$13,577,735--
Horace Mann Companies Serverance Pay Plan-1,725---
Horace Mann Service Corporation Health and Welfare Plan-1,728---
202141,487$266,771,975$18,651,477$12,543iApproximate average salary by contribution assumption: employee only about $313,576 at 4% or $209,050 at 6%; with 50% employer match about $209,050 at 4% or $139,367 at 6%; with 100% employer match about $156,788 at 4% or $104,525 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,469$246,921,806$18,651,477$12,697iApproximate average salary by contribution assumption: employee only about $317,418 at 4% or $211,612 at 6%; with 50% employer match about $211,612 at 4% or $141,075 at 6%; with 100% employer match about $158,709 at 4% or $105,806 at 6%.
Horace Mann Pension Plan-120$19,850,169--
Horace Mann Companies Serverance Pay Plan-1,469---
Horace Mann Service Corporation Health and Welfare Plan-1,487---
202041,513$250,606,664$17,243,428$11,397iApproximate average salary by contribution assumption: employee only about $284,921 at 4% or $189,947 at 6%; with 50% employer match about $189,947 at 4% or $126,632 at 6%; with 100% employer match about $142,461 at 4% or $94,974 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,498$228,661,984$17,243,428$11,511iApproximate average salary by contribution assumption: employee only about $287,774 at 4% or $191,849 at 6%; with 50% employer match about $191,849 at 4% or $127,900 at 6%; with 100% employer match about $143,887 at 4% or $95,925 at 6%.
Horace Mann Pension Plan-150$21,944,680--
Horace Mann Companies Serverance Pay Plan-1,490---
Horace Mann Service Corporation Health and Welfare Plan-1,513---
201941,550$229,384,294$23,888,570$15,412iApproximate average salary by contribution assumption: employee only about $385,300 at 4% or $256,866 at 6%; with 50% employer match about $256,866 at 4% or $171,244 at 6%; with 100% employer match about $192,650 at 4% or $128,433 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,536$206,220,081$23,888,570$15,552iApproximate average salary by contribution assumption: employee only about $388,811 at 4% or $259,208 at 6%; with 50% employer match about $259,208 at 4% or $172,805 at 6%; with 100% employer match about $194,406 at 4% or $129,604 at 6%.
Horace Mann Pension Plan-169$23,164,213--
Horace Mann Companies Serverance Pay Plan-1,550---
Horace Mann Service Corporation Health and Welfare Plan-1,429---
201841,495$189,821,800$15,821,371$10,583iApproximate average salary by contribution assumption: employee only about $264,571 at 4% or $176,381 at 6%; with 50% employer match about $176,381 at 4% or $117,587 at 6%; with 100% employer match about $132,286 at 4% or $88,190 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,495$167,731,935$15,821,371$10,583iApproximate average salary by contribution assumption: employee only about $264,571 at 4% or $176,381 at 6%; with 50% employer match about $176,381 at 4% or $117,587 at 6%; with 100% employer match about $132,286 at 4% or $88,190 at 6%.
Horace Mann Pension Plan-191$22,089,865--
Horace Mann Companies Serverance Pay Plan-1,478---
Horace Mann Service Corporation Health and Welfare Plan-1,480---
201741,585$206,203,942$15,785,897$9,960iApproximate average salary by contribution assumption: employee only about $248,989 at 4% or $165,993 at 6%; with 50% employer match about $165,993 at 4% or $110,662 at 6%; with 100% employer match about $124,494 at 4% or $82,996 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,504$180,360,532$15,785,897$10,496iApproximate average salary by contribution assumption: employee only about $262,399 at 4% or $174,932 at 6%; with 50% employer match about $174,932 at 4% or $116,622 at 6%; with 100% employer match about $131,199 at 4% or $87,466 at 6%.
Horace Mann Pension Plan-214$25,843,410--
Horace Mann Service Corporation Health and Welfare Plan-1,585---
Horace Mann Companies Serverance Pay Plan-1,474---
201651,503$202,559,762$15,953,213$10,614iApproximate average salary by contribution assumption: employee only about $265,356 at 4% or $176,904 at 6%; with 50% employer match about $176,904 at 4% or $117,936 at 6%; with 100% employer match about $132,678 at 4% or $88,452 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,503$177,113,748$15,953,213$10,614iApproximate average salary by contribution assumption: employee only about $265,356 at 4% or $176,904 at 6%; with 50% employer match about $176,904 at 4% or $117,936 at 6%; with 100% employer match about $132,678 at 4% or $88,452 at 6%.
Horace Mann Pension Plan-232$25,446,014--
Horace Mann Service Corporation Money Purchase Pension Plan-0---
Horace Mann Companies Serverance Pay Plan-1,440---
Horace Mann Service Corporation Health and Welfare Plan-1,213---
201591,427$198,446,307$43,560,212$30,526iApproximate average salary by contribution assumption: employee only about $763,143 at 4% or $508,762 at 6%; with 50% employer match about $508,762 at 4% or $339,175 at 6%; with 100% employer match about $381,572 at 4% or $254,381 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,427$161,693,779$43,560,212$30,526iApproximate average salary by contribution assumption: employee only about $763,143 at 4% or $508,762 at 6%; with 50% employer match about $508,762 at 4% or $339,175 at 6%; with 100% employer match about $381,572 at 4% or $254,381 at 6%.
Horace Mann Pension Plan-260$27,666,643--
Horace Mann Service Corporation Money Purchase Pension Plan-0$9,085,885--
Horace Mann Companies Serverance Pay Plan-1,349---
Long Term Disability Plan-0---
Group Life Insurance Plan-0---
Horace Mann Employee Group Health Plan-0---
Accidental Death & Dismemberment-0---
Horace Mann Service Corporation Employee Assistance Program-0---
201481,424$163,283,100$8,536,289$5,995iApproximate average salary by contribution assumption: employee only about $149,865 at 4% or $99,910 at 6%; with 50% employer match about $99,910 at 4% or $66,606 at 6%; with 100% employer match about $74,932 at 4% or $49,955 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,410$131,875,839$8,536,289$6,054iApproximate average salary by contribution assumption: employee only about $151,353 at 4% or $100,902 at 6%; with 50% employer match about $100,902 at 4% or $67,268 at 6%; with 100% employer match about $75,676 at 4% or $50,451 at 6%.
Horace Mann Pension Plan-290$31,407,261--
Horace Mann Service Corporation Employee Assistance Program-1,383---
Horace Mann Companies Serverance Pay Plan-1,310---
Accidental Death & Dismemberment-826---
Group Life Insurance Plan-1,383---
Long Term Disability Plan-1,424---
Horace Mann Employee Group Health Plan-1,084---
201391,524$307,710,099$15,844,889$10,397iApproximate average salary by contribution assumption: employee only about $259,923 at 4% or $173,282 at 6%; with 50% employer match about $173,282 at 4% or $115,521 at 6%; with 100% employer match about $129,961 at 4% or $86,641 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,522$135,096,501$4,689,979$3,081iApproximate average salary by contribution assumption: employee only about $77,036 at 4% or $51,358 at 6%; with 50% employer match about $51,358 at 4% or $34,238 at 6%; with 100% employer match about $38,518 at 4% or $25,679 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,524$134,734,585$9,154,910$6,007iApproximate average salary by contribution assumption: employee only about $150,179 at 4% or $100,119 at 6%; with 50% employer match about $100,119 at 4% or $66,746 at 6%; with 100% employer match about $75,089 at 4% or $50,060 at 6%.
Horace Mann Pension Plan-329$37,879,013$2,000,000$6,079iApproximate average salary by contribution assumption: employee only about $151,976 at 4% or $101,317 at 6%; with 50% employer match about $101,317 at 4% or $67,545 at 6%; with 100% employer match about $75,988 at 4% or $50,659 at 6%.
Group Life Insurance Plan-1,500---
Long Term Disability Plan-1,501---
Accidental Death & Dismemberment-894---
Horace Mann Companies Serverance Pay Plan-1,395---
Horace Mann Employee Group Health Plan-1,221---
Horace Mann Service Corporation Employee Assistance Program-1,500---
201291,533$295,106,668$17,186,356$11,211iApproximate average salary by contribution assumption: employee only about $280,273 at 4% or $186,849 at 6%; with 50% employer match about $186,849 at 4% or $124,566 at 6%; with 100% employer match about $140,137 at 4% or $93,424 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,521$141,286,084$4,147,701$2,727iApproximate average salary by contribution assumption: employee only about $68,174 at 4% or $45,449 at 6%; with 50% employer match about $45,449 at 4% or $30,300 at 6%; with 100% employer match about $34,087 at 4% or $22,725 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,524$117,961,157$9,341,655$6,130iApproximate average salary by contribution assumption: employee only about $153,242 at 4% or $102,162 at 6%; with 50% employer match about $102,162 at 4% or $68,108 at 6%; with 100% employer match about $76,621 at 4% or $51,081 at 6%.
Horace Mann Pension Plan-381$35,859,427$3,697,000$9,703iApproximate average salary by contribution assumption: employee only about $242,585 at 4% or $161,724 at 6%; with 50% employer match about $161,724 at 4% or $107,816 at 6%; with 100% employer match about $121,293 at 4% or $80,862 at 6%.
Long Term Disability Plan-1,533---
Group Life Insurance Plan-1,487---
Accidental Death & Dismemberment-964---
Horace Mann Employee Group Health Plan-1,231---
Horace Mann Companies Serverance Pay Plan-1,351---
Horace Mann Service Corporation Employee Assistance Program-1,487---
201191,709$294,638,499$16,579,622$9,701iApproximate average salary by contribution assumption: employee only about $242,534 at 4% or $161,689 at 6%; with 50% employer match about $161,689 at 4% or $107,793 at 6%; with 100% employer match about $121,267 at 4% or $80,845 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,709$149,675,451$4,864,130$2,846iApproximate average salary by contribution assumption: employee only about $71,155 at 4% or $47,436 at 6%; with 50% employer match about $47,436 at 4% or $31,624 at 6%; with 100% employer match about $35,577 at 4% or $23,718 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,633$111,370,486$9,319,492$5,707iApproximate average salary by contribution assumption: employee only about $142,674 at 4% or $95,116 at 6%; with 50% employer match about $95,116 at 4% or $63,411 at 6%; with 100% employer match about $71,337 at 4% or $47,558 at 6%.
Horace Mann Pension Plan-445$33,592,562$2,396,000$5,384iApproximate average salary by contribution assumption: employee only about $134,607 at 4% or $89,738 at 6%; with 50% employer match about $89,738 at 4% or $59,825 at 6%; with 100% employer match about $67,303 at 4% or $44,869 at 6%.
Long Term Disability Plan-1,634---
Group Life Insurance Plan-1,566---
Accidental Death & Dismemberment-1,031---
Horace Mann Companies Serverance Pay Plan-1,369---
Horace Mann Service Corporation Employee Assistance Program-1,566---
Horace Mann Employee Group Health Plan-1,247---
201091,927$302,129,199$36,542,832$18,964iApproximate average salary by contribution assumption: employee only about $474,090 at 4% or $316,060 at 6%; with 50% employer match about $316,060 at 4% or $210,707 at 6%; with 100% employer match about $237,045 at 4% or $158,030 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,927$148,896,553$5,251,558$2,725iApproximate average salary by contribution assumption: employee only about $68,131 at 4% or $45,421 at 6%; with 50% employer match about $45,421 at 4% or $30,281 at 6%; with 100% employer match about $34,066 at 4% or $22,710 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,746$117,813,703$9,161,202$5,247iApproximate average salary by contribution assumption: employee only about $131,174 at 4% or $87,449 at 6%; with 50% employer match about $87,449 at 4% or $58,300 at 6%; with 100% employer match about $65,587 at 4% or $43,725 at 6%.
Horace Mann Pension Plan-492$34,742,784$5,657,500$11,499iApproximate average salary by contribution assumption: employee only about $287,475 at 4% or $191,650 at 6%; with 50% employer match about $191,650 at 4% or $127,766 at 6%; with 100% employer match about $143,737 at 4% or $95,825 at 6%.
Horace Mann Employee Group Health Plan-1,359$676,159$16,472,572$12,121iApproximate average salary by contribution assumption: employee only about $303,027 at 4% or $202,018 at 6%; with 50% employer match about $202,018 at 4% or $134,679 at 6%; with 100% employer match about $151,514 at 4% or $101,009 at 6%.
Long Term Disability Plan-1,747---
Group Life Insurance Plan-1,681---
Accidental Death & Dismemberment-1,182---
Horace Mann Companies Serverance Pay Plan-1,396---
Horace Mann Service Corporation Employee Assistance Program-1,681---
200991,998$292,360,786$33,017,204$16,525iApproximate average salary by contribution assumption: employee only about $413,128 at 4% or $275,419 at 6%; with 50% employer match about $275,419 at 4% or $183,613 at 6%; with 100% employer match about $206,564 at 4% or $137,709 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,998$148,831,658$5,516,266$2,761iApproximate average salary by contribution assumption: employee only about $69,022 at 4% or $46,015 at 6%; with 50% employer match about $46,015 at 4% or $30,677 at 6%; with 100% employer match about $34,511 at 4% or $23,007 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-1,943$112,469,849$10,326,194$5,315iApproximate average salary by contribution assumption: employee only about $132,864 at 4% or $88,576 at 6%; with 50% employer match about $88,576 at 4% or $59,051 at 6%; with 100% employer match about $66,432 at 4% or $44,288 at 6%.
Horace Mann Pension Plan-802$30,125,545$1,120,000$1,397iApproximate average salary by contribution assumption: employee only about $34,913 at 4% or $23,275 at 6%; with 50% employer match about $23,275 at 4% or $15,517 at 6%; with 100% employer match about $17,456 at 4% or $11,638 at 6%.
Horace Mann Employee Group Health Plan-1,490$933,734$16,054,744$10,775iApproximate average salary by contribution assumption: employee only about $269,375 at 4% or $179,583 at 6%; with 50% employer match about $179,583 at 4% or $119,722 at 6%; with 100% employer match about $134,687 at 4% or $89,792 at 6%.
Long Term Disability Plan-1,948---
Horace Mann Companies Serverance Pay Plan-1,396---
Horace Mann Service Corporation Employee Assistance Program-1,865---
Group Life Insurance Plan-1,865---
Accidental Death & Dismemberment-1,159---
200892,254$274,749,663$37,390,772$16,589iApproximate average salary by contribution assumption: employee only about $414,716 at 4% or $276,477 at 6%; with 50% employer match about $276,477 at 4% or $184,318 at 6%; with 100% employer match about $207,358 at 4% or $138,239 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-1,947$145,021,575$6,867,304$3,527iApproximate average salary by contribution assumption: employee only about $88,178 at 4% or $58,785 at 6%; with 50% employer match about $58,785 at 4% or $39,190 at 6%; with 100% employer match about $44,089 at 4% or $29,393 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-2,226$100,424,481$11,378,739$5,112iApproximate average salary by contribution assumption: employee only about $127,794 at 4% or $85,196 at 6%; with 50% employer match about $85,196 at 4% or $56,797 at 6%; with 100% employer match about $63,897 at 4% or $42,598 at 6%.
Horace Mann Pension Plan-895$27,872,394$2,700,000$3,017iApproximate average salary by contribution assumption: employee only about $75,419 at 4% or $50,279 at 6%; with 50% employer match about $50,279 at 4% or $33,520 at 6%; with 100% employer match about $37,709 at 4% or $25,140 at 6%.
Horace Mann Employee Group Health Plan-1,636$1,431,213$16,444,729$10,052iApproximate average salary by contribution assumption: employee only about $251,295 at 4% or $167,530 at 6%; with 50% employer match about $167,530 at 4% or $111,687 at 6%; with 100% employer match about $125,647 at 4% or $83,765 at 6%.
Accidental Death & Dismemberment-1,304---
Long Term Disability Plan-2,254---
Group Life Insurance Plan-2,211---
Horace Mann Companies Serverance Pay Plan-1,536---
Horace Mann Service Corporation Employee Assistance Program-2,211---
200792,373$308,507,782$35,795,763$15,085iApproximate average salary by contribution assumption: employee only about $377,115 at 4% or $251,410 at 6%; with 50% employer match about $251,410 at 4% or $167,607 at 6%; with 100% employer match about $188,558 at 4% or $125,705 at 6%.
Horace Mann Service Corporation Money Purchase Pension Plan-2,126$139,569,787$6,823,504$3,210iApproximate average salary by contribution assumption: employee only about $80,239 at 4% or $53,493 at 6%; with 50% employer match about $53,493 at 4% or $35,662 at 6%; with 100% employer match about $40,119 at 4% or $26,746 at 6%.
Horace Mann Supplemental Retirement & Savings Plan-2,344$127,098,813$11,663,690$4,976iApproximate average salary by contribution assumption: employee only about $124,399 at 4% or $82,933 at 6%; with 50% employer match about $82,933 at 4% or $55,289 at 6%; with 100% employer match about $62,200 at 4% or $41,466 at 6%.
Horace Mann Pension Plan-977$40,067,809--
Horace Mann Employee Group Health Plan-1,654$1,771,373$17,308,569$10,465iApproximate average salary by contribution assumption: employee only about $261,617 at 4% or $174,411 at 6%; with 50% employer match about $174,411 at 4% or $116,274 at 6%; with 100% employer match about $130,808 at 4% or $87,206 at 6%.
Horace Mann Service Corporation Employee Assistance Program-2,249---
Group Life Insurance Plan-2,249---
Horace Mann Companies Serverance Pay Plan-1,460---
Long Term Disability Plan-2,373---
Accidental Death & Dismemberment-1,245---
200692,603$297,368,797$36,915,792$14,182iApproximate average salary by contribution assumption: employee only about $354,550 at 4% or $236,367 at 6%; with 50% employer match about $236,367 at 4% or $157,578 at 6%; with 100% employer match about $177,275 at 4% or $118,183 at 6%.
Horace Mann Service Corporation Employee Assistance Program-2,355---
Group Life Insurance Plan-2,355---
Long Term Disability Plan-2,355---
200593,822$279,996,171$42,503,576$11,121iApproximate average salary by contribution assumption: employee only about $278,019 at 4% or $185,346 at 6%; with 50% employer match about $185,346 at 4% or $123,564 at 6%; with 100% employer match about $139,010 at 4% or $92,673 at 6%.
200492,459$261,594,586$37,927,389$15,424iApproximate average salary by contribution assumption: employee only about $385,598 at 4% or $257,065 at 6%; with 50% employer match about $257,065 at 4% or $171,377 at 6%; with 100% employer match about $192,799 at 4% or $128,533 at 6%.
200392,612$245,500,641$44,409,360$17,002iApproximate average salary by contribution assumption: employee only about $425,051 at 4% or $283,368 at 6%; with 50% employer match about $283,368 at 4% or $188,912 at 6%; with 100% employer match about $212,526 at 4% or $141,684 at 6%.
200292,658$225,200,238$47,484,156$17,865iApproximate average salary by contribution assumption: employee only about $446,615 at 4% or $297,744 at 6%; with 50% employer match about $297,744 at 4% or $198,496 at 6%; with 100% employer match about $223,308 at 4% or $148,872 at 6%.
200182,675$225,755,261$28,837,024$10,780iApproximate average salary by contribution assumption: employee only about $269,505 at 4% or $179,670 at 6%; with 50% employer match about $179,670 at 4% or $119,780 at 6%; with 100% employer match about $134,752 at 4% or $89,835 at 6%.
200092,871$92,608,825$5,625,917$1,960iApproximate average salary by contribution assumption: employee only about $48,989 at 4% or $32,659 at 6%; with 50% employer match about $32,659 at 4% or $21,773 at 6%; with 100% employer match about $24,495 at 4% or $16,330 at 6%.
199993,586$241,293,711$28,865,644$8,050iApproximate average salary by contribution assumption: employee only about $201,238 at 4% or $134,159 at 6%; with 50% employer match about $134,159 at 4% or $89,439 at 6%; with 100% employer match about $100,619 at 4% or $67,079 at 6%.