Civic Intelligence

X-Cel Tooling Inc.

Plan context: X-Cel Tooling Inc. Employee Stock Ownership Plan

EIN 39-1585617 • Iron Ridge, WI • 53 filings • 5 plans

1000 Industrial RoadPO Box 338Iron Ridge, WI 53035
Current Snapshot

Latest Year

2025

2025 Participants

37

2025 Assets

$21,378,519

2025 Contributions

$300,000

Historical Graphs

Total Assets Over Time

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

$36,804,241$18,402,121$0199920122025YearValue
$21,378,519Latest year 2025

Participants Over Time

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

67340199920122025YearValue
37Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2025137$21,378,519$300,000$8,108iApproximate average salary by contribution assumption: employee only about $202,703 at 4% or $135,135 at 6%; with 50% employer match about $135,135 at 4% or $90,090 at 6%; with 100% employer match about $101,351 at 4% or $67,568 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-37$21,378,519$300,000$8,108iApproximate average salary by contribution assumption: employee only about $202,703 at 4% or $135,135 at 6%; with 50% employer match about $135,135 at 4% or $90,090 at 6%; with 100% employer match about $101,351 at 4% or $67,568 at 6%.
2024241$31,879,218$554,215$13,517iApproximate average salary by contribution assumption: employee only about $337,936 at 4% or $225,291 at 6%; with 50% employer match about $225,291 at 4% or $150,194 at 6%; with 100% employer match about $168,968 at 4% or $112,645 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-39$23,357,137$375,000$9,615iApproximate average salary by contribution assumption: employee only about $240,385 at 4% or $160,256 at 6%; with 50% employer match about $160,256 at 4% or $106,838 at 6%; with 100% employer match about $120,192 at 4% or $80,128 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-41$8,522,081$179,215$4,371iApproximate average salary by contribution assumption: employee only about $109,277 at 4% or $72,852 at 6%; with 50% employer match about $72,852 at 4% or $48,568 at 6%; with 100% employer match about $54,639 at 4% or $36,426 at 6%.
2023249$32,361,611$665,600$13,584iApproximate average salary by contribution assumption: employee only about $339,592 at 4% or $226,395 at 6%; with 50% employer match about $226,395 at 4% or $150,930 at 6%; with 100% employer match about $169,796 at 4% or $113,197 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-49$24,620,503$500,000$10,204iApproximate average salary by contribution assumption: employee only about $255,102 at 4% or $170,068 at 6%; with 50% employer match about $170,068 at 4% or $113,379 at 6%; with 100% employer match about $127,551 at 4% or $85,034 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-49$7,741,108$165,600$3,380iApproximate average salary by contribution assumption: employee only about $84,490 at 4% or $56,327 at 6%; with 50% employer match about $56,327 at 4% or $37,551 at 6%; with 100% employer match about $42,245 at 4% or $28,163 at 6%.
2022247$31,986,450$674,307$14,347iApproximate average salary by contribution assumption: employee only about $358,674 at 4% or $239,116 at 6%; with 50% employer match about $239,116 at 4% or $159,411 at 6%; with 100% employer match about $179,337 at 4% or $119,558 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-46$25,112,162$500,000$10,870iApproximate average salary by contribution assumption: employee only about $271,739 at 4% or $181,159 at 6%; with 50% employer match about $181,159 at 4% or $120,773 at 6%; with 100% employer match about $135,870 at 4% or $90,580 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-47$6,874,288$174,307$3,709iApproximate average salary by contribution assumption: employee only about $92,716 at 4% or $61,811 at 6%; with 50% employer match about $61,811 at 4% or $41,207 at 6%; with 100% employer match about $46,358 at 4% or $30,905 at 6%.
2021250$33,457,475$356,197$7,124iApproximate average salary by contribution assumption: employee only about $178,099 at 4% or $118,732 at 6%; with 50% employer match about $118,732 at 4% or $79,155 at 6%; with 100% employer match about $89,049 at 4% or $59,366 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-48$24,366,699$200,000$4,167iApproximate average salary by contribution assumption: employee only about $104,167 at 4% or $69,444 at 6%; with 50% employer match about $69,444 at 4% or $46,296 at 6%; with 100% employer match about $52,083 at 4% or $34,722 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-50$9,090,776$156,197$3,124iApproximate average salary by contribution assumption: employee only about $78,099 at 4% or $52,066 at 6%; with 50% employer match about $52,066 at 4% or $34,710 at 6%; with 100% employer match about $39,049 at 4% or $26,033 at 6%.
2020254$35,354,031$524,126$9,706iApproximate average salary by contribution assumption: employee only about $242,651 at 4% or $161,767 at 6%; with 50% employer match about $161,767 at 4% or $107,845 at 6%; with 100% employer match about $121,325 at 4% or $80,884 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-54$26,434,810$375,000$6,944iApproximate average salary by contribution assumption: employee only about $173,611 at 4% or $115,741 at 6%; with 50% employer match about $115,741 at 4% or $77,160 at 6%; with 100% employer match about $86,806 at 4% or $57,870 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-54$8,919,221$149,126$2,762iApproximate average salary by contribution assumption: employee only about $69,040 at 4% or $46,027 at 6%; with 50% employer match about $46,027 at 4% or $30,684 at 6%; with 100% employer match about $34,520 at 4% or $23,013 at 6%.
2019253$36,804,241$654,001$12,340iApproximate average salary by contribution assumption: employee only about $308,491 at 4% or $205,661 at 6%; with 50% employer match about $205,661 at 4% or $137,107 at 6%; with 100% employer match about $154,246 at 4% or $102,830 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-50$29,062,840$500,000$10,000iApproximate average salary by contribution assumption: employee only about $250,000 at 4% or $166,667 at 6%; with 50% employer match about $166,667 at 4% or $111,111 at 6%; with 100% employer match about $125,000 at 4% or $83,333 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-53$7,741,401$154,001$2,906iApproximate average salary by contribution assumption: employee only about $72,642 at 4% or $48,428 at 6%; with 50% employer match about $48,428 at 4% or $32,285 at 6%; with 100% employer match about $36,321 at 4% or $24,214 at 6%.
2018254$34,609,400$654,390$12,118iApproximate average salary by contribution assumption: employee only about $302,958 at 4% or $201,972 at 6%; with 50% employer match about $201,972 at 4% or $134,648 at 6%; with 100% employer match about $151,479 at 4% or $100,986 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-51$28,118,822$500,000$9,804iApproximate average salary by contribution assumption: employee only about $245,098 at 4% or $163,399 at 6%; with 50% employer match about $163,399 at 4% or $108,932 at 6%; with 100% employer match about $122,549 at 4% or $81,699 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-54$6,490,578$154,390$2,859iApproximate average salary by contribution assumption: employee only about $71,477 at 4% or $47,651 at 6%; with 50% employer match about $47,651 at 4% or $31,767 at 6%; with 100% employer match about $35,738 at 4% or $23,826 at 6%.
2017255$34,366,060$1,043,428$18,971iApproximate average salary by contribution assumption: employee only about $474,285 at 4% or $316,190 at 6%; with 50% employer match about $316,190 at 4% or $210,794 at 6%; with 100% employer match about $237,143 at 4% or $158,095 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-51$27,561,492$500,000$9,804iApproximate average salary by contribution assumption: employee only about $245,098 at 4% or $163,399 at 6%; with 50% employer match about $163,399 at 4% or $108,932 at 6%; with 100% employer match about $122,549 at 4% or $81,699 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-55$6,804,568$543,428$9,881iApproximate average salary by contribution assumption: employee only about $247,013 at 4% or $164,675 at 6%; with 50% employer match about $164,675 at 4% or $109,783 at 6%; with 100% employer match about $123,506 at 4% or $82,338 at 6%.
2016254$32,547,449$505,603$9,363iApproximate average salary by contribution assumption: employee only about $234,075 at 4% or $156,050 at 6%; with 50% employer match about $156,050 at 4% or $104,034 at 6%; with 100% employer match about $117,038 at 4% or $78,025 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-53$27,067,732$375,000$7,075iApproximate average salary by contribution assumption: employee only about $176,887 at 4% or $117,925 at 6%; with 50% employer match about $117,925 at 4% or $78,616 at 6%; with 100% employer match about $88,443 at 4% or $58,962 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-54$5,479,717$130,603$2,419iApproximate average salary by contribution assumption: employee only about $60,464 at 4% or $40,310 at 6%; with 50% employer match about $40,310 at 4% or $26,873 at 6%; with 100% employer match about $30,232 at 4% or $20,155 at 6%.
2015249$32,523,013$599,677$12,238iApproximate average salary by contribution assumption: employee only about $305,958 at 4% or $203,972 at 6%; with 50% employer match about $203,972 at 4% or $135,981 at 6%; with 100% employer match about $152,979 at 4% or $101,986 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-48$27,390,875$375,000$7,813iApproximate average salary by contribution assumption: employee only about $195,313 at 4% or $130,208 at 6%; with 50% employer match about $130,208 at 4% or $86,806 at 6%; with 100% employer match about $97,656 at 4% or $65,104 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-49$5,132,138$224,677$4,585iApproximate average salary by contribution assumption: employee only about $114,631 at 4% or $76,421 at 6%; with 50% employer match about $76,421 at 4% or $50,947 at 6%; with 100% employer match about $57,316 at 4% or $38,210 at 6%.
2014250$33,513,523$642,035$12,841iApproximate average salary by contribution assumption: employee only about $321,018 at 4% or $214,012 at 6%; with 50% employer match about $214,012 at 4% or $142,674 at 6%; with 100% employer match about $160,509 at 4% or $107,006 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-48$28,288,959$375,000$7,813iApproximate average salary by contribution assumption: employee only about $195,313 at 4% or $130,208 at 6%; with 50% employer match about $130,208 at 4% or $86,806 at 6%; with 100% employer match about $97,656 at 4% or $65,104 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-50$5,224,564$267,035$5,341iApproximate average salary by contribution assumption: employee only about $133,518 at 4% or $89,012 at 6%; with 50% employer match about $89,012 at 4% or $59,341 at 6%; with 100% employer match about $66,759 at 4% or $44,506 at 6%.
2013251$31,245,847$614,341$12,046iApproximate average salary by contribution assumption: employee only about $301,148 at 4% or $200,765 at 6%; with 50% employer match about $200,765 at 4% or $133,843 at 6%; with 100% employer match about $150,574 at 4% or $100,383 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-48$26,146,197$375,000$7,813iApproximate average salary by contribution assumption: employee only about $195,313 at 4% or $130,208 at 6%; with 50% employer match about $130,208 at 4% or $86,806 at 6%; with 100% employer match about $97,656 at 4% or $65,104 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-51$5,099,650$239,341$4,693iApproximate average salary by contribution assumption: employee only about $117,324 at 4% or $78,216 at 6%; with 50% employer match about $78,216 at 4% or $52,144 at 6%; with 100% employer match about $58,662 at 4% or $39,108 at 6%.
2012247$28,650,683$634,488$13,500iApproximate average salary by contribution assumption: employee only about $337,494 at 4% or $224,996 at 6%; with 50% employer match about $224,996 at 4% or $149,997 at 6%; with 100% employer match about $168,747 at 4% or $112,498 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-46$24,593,683$375,000$8,152iApproximate average salary by contribution assumption: employee only about $203,804 at 4% or $135,870 at 6%; with 50% employer match about $135,870 at 4% or $90,580 at 6%; with 100% employer match about $101,902 at 4% or $67,935 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-47$4,057,000$259,488$5,521iApproximate average salary by contribution assumption: employee only about $138,026 at 4% or $92,017 at 6%; with 50% employer match about $92,017 at 4% or $61,345 at 6%; with 100% employer match about $69,013 at 4% or $46,009 at 6%.
2011248$26,748,472$614,213$12,796iApproximate average salary by contribution assumption: employee only about $319,903 at 4% or $213,268 at 6%; with 50% employer match about $213,268 at 4% or $142,179 at 6%; with 100% employer match about $159,951 at 4% or $106,634 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-47$23,411,762$375,000$7,979iApproximate average salary by contribution assumption: employee only about $199,468 at 4% or $132,979 at 6%; with 50% employer match about $132,979 at 4% or $88,652 at 6%; with 100% employer match about $99,734 at 4% or $66,489 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-48$3,336,710$239,213$4,984iApproximate average salary by contribution assumption: employee only about $124,590 at 4% or $83,060 at 6%; with 50% employer match about $83,060 at 4% or $55,373 at 6%; with 100% employer match about $62,295 at 4% or $41,530 at 6%.
2010250$27,861,586$517,476$10,350iApproximate average salary by contribution assumption: employee only about $258,738 at 4% or $172,492 at 6%; with 50% employer match about $172,492 at 4% or $114,995 at 6%; with 100% employer match about $129,369 at 4% or $86,246 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-48$24,672,755$375,000$7,813iApproximate average salary by contribution assumption: employee only about $195,313 at 4% or $130,208 at 6%; with 50% employer match about $130,208 at 4% or $86,806 at 6%; with 100% employer match about $97,656 at 4% or $65,104 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-50$3,188,831$142,476$2,850iApproximate average salary by contribution assumption: employee only about $71,238 at 4% or $47,492 at 6%; with 50% employer match about $47,492 at 4% or $31,661 at 6%; with 100% employer match about $35,619 at 4% or $23,746 at 6%.
2009253$27,034,987$516,872$9,752iApproximate average salary by contribution assumption: employee only about $243,808 at 4% or $162,538 at 6%; with 50% employer match about $162,538 at 4% or $108,359 at 6%; with 100% employer match about $121,904 at 4% or $81,269 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-51$24,117,349$375,000$7,353iApproximate average salary by contribution assumption: employee only about $183,824 at 4% or $122,549 at 6%; with 50% employer match about $122,549 at 4% or $81,699 at 6%; with 100% employer match about $91,912 at 4% or $61,275 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-53$2,917,638$141,872$2,677iApproximate average salary by contribution assumption: employee only about $66,921 at 4% or $44,614 at 6%; with 50% employer match about $44,614 at 4% or $29,743 at 6%; with 100% employer match about $33,460 at 4% or $22,307 at 6%.
2008254$26,480,849$533,238$9,875iApproximate average salary by contribution assumption: employee only about $246,869 at 4% or $164,580 at 6%; with 50% employer match about $164,580 at 4% or $109,720 at 6%; with 100% employer match about $123,435 at 4% or $82,290 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-52$24,287,738$375,000$7,212iApproximate average salary by contribution assumption: employee only about $180,288 at 4% or $120,192 at 6%; with 50% employer match about $120,192 at 4% or $80,128 at 6%; with 100% employer match about $90,144 at 4% or $60,096 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-54$2,193,111$158,238$2,930iApproximate average salary by contribution assumption: employee only about $73,258 at 4% or $48,839 at 6%; with 50% employer match about $48,839 at 4% or $32,559 at 6%; with 100% employer match about $36,629 at 4% or $24,419 at 6%.
2007252$3,118,448$305,500$5,875iApproximate average salary by contribution assumption: employee only about $146,875 at 4% or $97,917 at 6%; with 50% employer match about $97,917 at 4% or $65,278 at 6%; with 100% employer match about $73,438 at 4% or $48,958 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-52$3,118,448$305,500$5,875iApproximate average salary by contribution assumption: employee only about $146,875 at 4% or $97,917 at 6%; with 50% employer match about $97,917 at 4% or $65,278 at 6%; with 100% employer match about $73,438 at 4% or $48,958 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-52---
2006255$28,081,398$755,016$13,728iApproximate average salary by contribution assumption: employee only about $343,189 at 4% or $228,793 at 6%; with 50% employer match about $228,793 at 4% or $152,528 at 6%; with 100% employer match about $171,595 at 4% or $114,396 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-54$25,209,483$600,000$11,111iApproximate average salary by contribution assumption: employee only about $277,778 at 4% or $185,185 at 6%; with 50% employer match about $185,185 at 4% or $123,457 at 6%; with 100% employer match about $138,889 at 4% or $92,593 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-55$2,871,915$155,016$2,818iApproximate average salary by contribution assumption: employee only about $70,462 at 4% or $46,975 at 6%; with 50% employer match about $46,975 at 4% or $31,316 at 6%; with 100% employer match about $35,231 at 4% or $23,487 at 6%.
2005261$27,108,410$777,512$12,746iApproximate average salary by contribution assumption: employee only about $318,652 at 4% or $212,435 at 6%; with 50% employer match about $212,435 at 4% or $141,623 at 6%; with 100% employer match about $159,326 at 4% or $106,217 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-61$24,470,951$600,000$9,836iApproximate average salary by contribution assumption: employee only about $245,902 at 4% or $163,934 at 6%; with 50% employer match about $163,934 at 4% or $109,290 at 6%; with 100% employer match about $122,951 at 4% or $81,967 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-61$2,637,459$177,512$2,910iApproximate average salary by contribution assumption: employee only about $72,751 at 4% or $48,501 at 6%; with 50% employer match about $48,501 at 4% or $32,334 at 6%; with 100% employer match about $36,375 at 4% or $24,250 at 6%.
2004265$27,139,820$810,251$12,465iApproximate average salary by contribution assumption: employee only about $311,635 at 4% or $207,757 at 6%; with 50% employer match about $207,757 at 4% or $138,504 at 6%; with 100% employer match about $155,818 at 4% or $103,878 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-65$24,699,348$600,000$9,231iApproximate average salary by contribution assumption: employee only about $230,769 at 4% or $153,846 at 6%; with 50% employer match about $153,846 at 4% or $102,564 at 6%; with 100% employer match about $115,385 at 4% or $76,923 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-64$2,440,472$210,251$3,285iApproximate average salary by contribution assumption: employee only about $82,129 at 4% or $54,753 at 6%; with 50% employer match about $54,753 at 4% or $36,502 at 6%; with 100% employer match about $41,065 at 4% or $27,376 at 6%.
2003267$25,922,820$785,478$11,724iApproximate average salary by contribution assumption: employee only about $293,089 at 4% or $195,393 at 6%; with 50% employer match about $195,393 at 4% or $130,262 at 6%; with 100% employer match about $146,544 at 4% or $97,696 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-66$23,843,994$600,000$9,091iApproximate average salary by contribution assumption: employee only about $227,273 at 4% or $151,515 at 6%; with 50% employer match about $151,515 at 4% or $101,010 at 6%; with 100% employer match about $113,636 at 4% or $75,758 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-67$2,078,826$185,478$2,768iApproximate average salary by contribution assumption: employee only about $69,208 at 4% or $46,139 at 6%; with 50% employer match about $46,139 at 4% or $30,759 at 6%; with 100% employer match about $34,604 at 4% or $23,069 at 6%.
2002267$22,502,612$637,819$9,520iApproximate average salary by contribution assumption: employee only about $237,992 at 4% or $158,661 at 6%; with 50% employer match about $158,661 at 4% or $105,774 at 6%; with 100% employer match about $118,996 at 4% or $79,331 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-67$20,949,641$470,000$7,015iApproximate average salary by contribution assumption: employee only about $175,373 at 4% or $116,915 at 6%; with 50% employer match about $116,915 at 4% or $77,944 at 6%; with 100% employer match about $87,687 at 4% or $58,458 at 6%.
X-Cel Tooling Inc. 401(K) P/S Plan-66$1,552,971$167,819$2,543iApproximate average salary by contribution assumption: employee only about $63,568 at 4% or $42,379 at 6%; with 50% employer match about $42,379 at 4% or $28,252 at 6%; with 100% employer match about $31,784 at 4% or $21,189 at 6%.
2001264$17,964,168$158,640$2,479iApproximate average salary by contribution assumption: employee only about $61,969 at 4% or $41,313 at 6%; with 50% employer match about $41,313 at 4% or $27,542 at 6%; with 100% employer match about $30,984 at 4% or $20,656 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-64$15,969,381--
X-Cel Tooling Inc. 401(K) P/S Plan-0$1,994,787$158,640-
2000266$15,753,951$179,048$2,713iApproximate average salary by contribution assumption: employee only about $67,821 at 4% or $45,214 at 6%; with 50% employer match about $45,214 at 4% or $30,143 at 6%; with 100% employer match about $33,911 at 4% or $22,607 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-66$13,272,150--
X-Cel Tooling Inc. 401(K) P/S Plan-60$2,481,801$179,048$2,984iApproximate average salary by contribution assumption: employee only about $74,603 at 4% or $49,736 at 6%; with 50% employer match about $49,736 at 4% or $33,157 at 6%; with 100% employer match about $37,302 at 4% or $24,868 at 6%.
1999262$14,575,519$153,502$2,476iApproximate average salary by contribution assumption: employee only about $61,896 at 4% or $41,264 at 6%; with 50% employer match about $41,264 at 4% or $27,509 at 6%; with 100% employer match about $30,948 at 4% or $20,632 at 6%.
X-Cel Tooling Inc. Employee Stock Ownership Plan-62$11,837,621--
X-Cel Tooling Inc. 401(K) P/S Plan-61$2,737,898$153,502$2,516iApproximate average salary by contribution assumption: employee only about $62,911 at 4% or $41,940 at 6%; with 50% employer match about $41,940 at 4% or $27,960 at 6%; with 100% employer match about $31,455 at 4% or $20,970 at 6%.