Civic Intelligence

Pan-O-Gold Baking Company

Plan context: Pan-O-Gold Baking Company Employee Savings Plan

EIN 41-0679579 • St Cloud, MN • 87 filings • 13 plans

PO Box 848St Cloud, MN 56302
Current Snapshot

Latest Year

2024

2024 Participants

855

2024 Assets

$67,685,414

2024 Contributions

$4,805,050

Historical Graphs

Total Assets Over Time

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

$69,430,855$34,715,428$0199920142023YearValue
$67,685,414Latest year 2023

Participants Over Time

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

9074540199920122024YearValue
855Latest 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
20241855$0$0-
Pan-O-Gold Baking Co. Health and Welfare Plan-855---
20233867$67,685,414$4,805,050$5,542iApproximate average salary by contribution assumption: employee only about $138,554 at 4% or $92,369 at 6%; with 50% employer match about $92,369 at 4% or $61,580 at 6%; with 100% employer match about $69,277 at 4% or $46,185 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-475$57,341,402$4,402,150$9,268iApproximate average salary by contribution assumption: employee only about $231,692 at 4% or $154,461 at 6%; with 50% employer match about $154,461 at 4% or $102,974 at 6%; with 100% employer match about $115,846 at 4% or $77,231 at 6%.
Pan-O-Gold Baking Co Retirement Plan-163$10,344,012$402,900$2,472iApproximate average salary by contribution assumption: employee only about $61,794 at 4% or $41,196 at 6%; with 50% employer match about $41,196 at 4% or $27,464 at 6%; with 100% employer match about $30,897 at 4% or $20,598 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-867---
20223895$61,864,553$3,625,098$4,050iApproximate average salary by contribution assumption: employee only about $101,260 at 4% or $67,506 at 6%; with 50% employer match about $67,506 at 4% or $45,004 at 6%; with 100% employer match about $50,630 at 4% or $33,753 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-485$52,987,564$3,248,817$6,699iApproximate average salary by contribution assumption: employee only about $167,465 at 4% or $111,643 at 6%; with 50% employer match about $111,643 at 4% or $74,429 at 6%; with 100% employer match about $83,732 at 4% or $55,822 at 6%.
Pan-O-Gold Baking Co Retirement Plan-166$8,876,989$376,281$2,267iApproximate average salary by contribution assumption: employee only about $56,669 at 4% or $37,779 at 6%; with 50% employer match about $37,779 at 4% or $25,186 at 6%; with 100% employer match about $28,334 at 4% or $18,890 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-895---
20213857$57,914,923$3,226,921$3,765iApproximate average salary by contribution assumption: employee only about $94,134 at 4% or $62,756 at 6%; with 50% employer match about $62,756 at 4% or $41,837 at 6%; with 100% employer match about $47,067 at 4% or $31,378 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-573$49,787,806$3,024,604$5,279iApproximate average salary by contribution assumption: employee only about $131,964 at 4% or $87,976 at 6%; with 50% employer match about $87,976 at 4% or $58,650 at 6%; with 100% employer match about $65,982 at 4% or $43,988 at 6%.
Pan-O-Gold Baking Co Retirement Plan-261$8,127,117$202,317$775iApproximate average salary by contribution assumption: employee only about $19,379 at 4% or $12,919 at 6%; with 50% employer match about $12,919 at 4% or $8,613 at 6%; with 100% employer match about $9,690 at 4% or $6,460 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-857---
20203907$69,430,855$3,817,599$4,209iApproximate average salary by contribution assumption: employee only about $105,226 at 4% or $70,151 at 6%; with 50% employer match about $70,151 at 4% or $46,767 at 6%; with 100% employer match about $52,613 at 4% or $35,075 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-477$59,372,428$3,305,821$6,930iApproximate average salary by contribution assumption: employee only about $173,261 at 4% or $115,507 at 6%; with 50% employer match about $115,507 at 4% or $77,005 at 6%; with 100% employer match about $86,631 at 4% or $57,754 at 6%.
Pan-O-Gold Baking Co Retirement Plan-235$10,058,427$511,778$2,178iApproximate average salary by contribution assumption: employee only about $54,444 at 4% or $36,296 at 6%; with 50% employer match about $36,296 at 4% or $24,198 at 6%; with 100% employer match about $27,222 at 4% or $18,148 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-907---
20193839$58,972,354$4,549,853$5,423iApproximate average salary by contribution assumption: employee only about $135,574 at 4% or $90,382 at 6%; with 50% employer match about $90,382 at 4% or $60,255 at 6%; with 100% employer match about $67,787 at 4% or $45,191 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-544$50,590,113$3,976,884$7,310iApproximate average salary by contribution assumption: employee only about $182,761 at 4% or $121,841 at 6%; with 50% employer match about $121,841 at 4% or $81,227 at 6%; with 100% employer match about $91,381 at 4% or $60,920 at 6%.
Pan-O-Gold Baking Co Retirement Plan-281$8,382,241$572,969$2,039iApproximate average salary by contribution assumption: employee only about $50,976 at 4% or $33,984 at 6%; with 50% employer match about $33,984 at 4% or $22,656 at 6%; with 100% employer match about $25,488 at 4% or $16,992 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-839---
20183891$50,945,103$4,386,757$4,923iApproximate average salary by contribution assumption: employee only about $123,085 at 4% or $82,057 at 6%; with 50% employer match about $82,057 at 4% or $54,705 at 6%; with 100% employer match about $61,543 at 4% or $41,028 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-517$43,665,339$3,922,541$7,587iApproximate average salary by contribution assumption: employee only about $189,678 at 4% or $126,452 at 6%; with 50% employer match about $126,452 at 4% or $84,301 at 6%; with 100% employer match about $94,839 at 4% or $63,226 at 6%.
Pan-O-Gold Baking Co Retirement Plan-275$7,279,764$464,216$1,688iApproximate average salary by contribution assumption: employee only about $42,201 at 4% or $28,134 at 6%; with 50% employer match about $28,134 at 4% or $18,756 at 6%; with 100% employer match about $21,101 at 4% or $14,067 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-891---
20173760$48,316,384$4,077,112$5,365iApproximate average salary by contribution assumption: employee only about $134,116 at 4% or $89,410 at 6%; with 50% employer match about $89,410 at 4% or $59,607 at 6%; with 100% employer match about $67,058 at 4% or $44,705 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-524$41,005,570$3,601,792$6,874iApproximate average salary by contribution assumption: employee only about $171,841 at 4% or $114,561 at 6%; with 50% employer match about $114,561 at 4% or $76,374 at 6%; with 100% employer match about $85,921 at 4% or $57,280 at 6%.
Pan-O-Gold Baking Co Retirement Plan-277$7,310,814$475,320$1,716iApproximate average salary by contribution assumption: employee only about $42,899 at 4% or $28,599 at 6%; with 50% employer match about $28,599 at 4% or $19,066 at 6%; with 100% employer match about $21,449 at 4% or $14,300 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-760---
20163697$43,218,963$4,332,329$6,216iApproximate average salary by contribution assumption: employee only about $155,392 at 4% or $103,595 at 6%; with 50% employer match about $103,595 at 4% or $69,063 at 6%; with 100% employer match about $77,696 at 4% or $51,797 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-532$36,549,606$3,954,011$7,432iApproximate average salary by contribution assumption: employee only about $185,809 at 4% or $123,873 at 6%; with 50% employer match about $123,873 at 4% or $82,582 at 6%; with 100% employer match about $92,904 at 4% or $61,936 at 6%.
Pan-O-Gold Baking Co Retirement Plan-219$6,669,357$378,318$1,727iApproximate average salary by contribution assumption: employee only about $43,187 at 4% or $28,791 at 6%; with 50% employer match about $28,791 at 4% or $19,194 at 6%; with 100% employer match about $21,593 at 4% or $14,396 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-697---
20154652$36,836,057$4,042,248$6,200iApproximate average salary by contribution assumption: employee only about $154,994 at 4% or $103,329 at 6%; with 50% employer match about $103,329 at 4% or $68,886 at 6%; with 100% employer match about $77,497 at 4% or $51,665 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-490$31,024,374$3,525,814$7,196iApproximate average salary by contribution assumption: employee only about $179,888 at 4% or $119,926 at 6%; with 50% employer match about $119,926 at 4% or $79,950 at 6%; with 100% employer match about $89,944 at 4% or $59,963 at 6%.
Pan-O-Gold Baking Co Retirement Plan-218$5,811,683$516,434$2,369iApproximate average salary by contribution assumption: employee only about $59,224 at 4% or $39,483 at 6%; with 50% employer match about $39,483 at 4% or $26,322 at 6%; with 100% employer match about $29,612 at 4% or $19,741 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-0---
Pan-O-Gold Baking Co. Health and Welfare Plan-652---
20144612$35,534,171$3,625,192$5,924iApproximate average salary by contribution assumption: employee only about $148,088 at 4% or $98,725 at 6%; with 50% employer match about $98,725 at 4% or $65,817 at 6%; with 100% employer match about $74,044 at 4% or $49,363 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-485$17,612,184$1,978,230$4,079iApproximate average salary by contribution assumption: employee only about $101,971 at 4% or $67,980 at 6%; with 50% employer match about $67,980 at 4% or $45,320 at 6%; with 100% employer match about $50,985 at 4% or $33,990 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-120$12,499,565$1,200,087$10,001iApproximate average salary by contribution assumption: employee only about $250,018 at 4% or $166,679 at 6%; with 50% employer match about $166,679 at 4% or $111,119 at 6%; with 100% employer match about $125,009 at 4% or $83,339 at 6%.
Pan-O-Gold Baking Co Retirement Plan-440$5,422,422$446,875$1,016iApproximate average salary by contribution assumption: employee only about $25,391 at 4% or $16,927 at 6%; with 50% employer match about $16,927 at 4% or $11,285 at 6%; with 100% employer match about $12,695 at 4% or $8,464 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-612---
20134540$34,918,038$3,151,967$5,837iApproximate average salary by contribution assumption: employee only about $145,924 at 4% or $97,283 at 6%; with 50% employer match about $97,283 at 4% or $64,855 at 6%; with 100% employer match about $72,962 at 4% or $48,641 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-459$17,044,566$1,797,877$3,917iApproximate average salary by contribution assumption: employee only about $97,924 at 4% or $65,282 at 6%; with 50% employer match about $65,282 at 4% or $43,522 at 6%; with 100% employer match about $48,962 at 4% or $32,641 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-112$12,258,898$865,000$7,723iApproximate average salary by contribution assumption: employee only about $193,080 at 4% or $128,720 at 6%; with 50% employer match about $128,720 at 4% or $85,813 at 6%; with 100% employer match about $96,540 at 4% or $64,360 at 6%.
Pan-O-Gold Baking Co Retirement Plan-349$5,614,574$489,090$1,401iApproximate average salary by contribution assumption: employee only about $35,035 at 4% or $23,357 at 6%; with 50% employer match about $23,357 at 4% or $15,571 at 6%; with 100% employer match about $17,518 at 4% or $11,678 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-540---
20124440$29,629,935$2,730,107$6,205iApproximate average salary by contribution assumption: employee only about $155,120 at 4% or $103,413 at 6%; with 50% employer match about $103,413 at 4% or $68,942 at 6%; with 100% employer match about $77,560 at 4% or $51,707 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-440$13,970,186$1,529,194$3,475iApproximate average salary by contribution assumption: employee only about $86,886 at 4% or $57,924 at 6%; with 50% employer match about $57,924 at 4% or $38,616 at 6%; with 100% employer match about $43,443 at 4% or $28,962 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-108$11,171,559$800,000$7,407iApproximate average salary by contribution assumption: employee only about $185,185 at 4% or $123,457 at 6%; with 50% employer match about $123,457 at 4% or $82,305 at 6%; with 100% employer match about $92,593 at 4% or $61,728 at 6%.
Pan-O-Gold Baking Co Retirement Plan-369$4,488,190$400,913$1,086iApproximate average salary by contribution assumption: employee only about $27,162 at 4% or $18,108 at 6%; with 50% employer match about $18,108 at 4% or $12,072 at 6%; with 100% employer match about $13,581 at 4% or $9,054 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-292---
20114382$26,421,318$2,490,012$6,518iApproximate average salary by contribution assumption: employee only about $162,959 at 4% or $108,639 at 6%; with 50% employer match about $108,639 at 4% or $72,426 at 6%; with 100% employer match about $81,479 at 4% or $54,320 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-382$12,223,121$1,323,495$3,465iApproximate average salary by contribution assumption: employee only about $86,616 at 4% or $57,744 at 6%; with 50% employer match about $57,744 at 4% or $38,496 at 6%; with 100% employer match about $43,308 at 4% or $28,872 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-108$10,286,268$750,000$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%.
Pan-O-Gold Baking Co Retirement Plan-165$3,911,929$416,517$2,524iApproximate average salary by contribution assumption: employee only about $63,109 at 4% or $42,072 at 6%; with 50% employer match about $42,072 at 4% or $28,048 at 6%; with 100% employer match about $31,554 at 4% or $21,036 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-261---
20104372$23,304,101$2,366,257$6,361iApproximate average salary by contribution assumption: employee only about $159,023 at 4% or $106,015 at 6%; with 50% employer match about $106,015 at 4% or $70,677 at 6%; with 100% employer match about $79,511 at 4% or $53,008 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-369$10,620,018$1,253,412$3,397iApproximate average salary by contribution assumption: employee only about $84,920 at 4% or $56,613 at 6%; with 50% employer match about $56,613 at 4% or $37,742 at 6%; with 100% employer match about $42,460 at 4% or $28,307 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-117$9,351,589$700,000$5,983iApproximate average salary by contribution assumption: employee only about $149,573 at 4% or $99,715 at 6%; with 50% employer match about $99,715 at 4% or $66,477 at 6%; with 100% employer match about $74,786 at 4% or $49,858 at 6%.
Pan-O-Gold Baking Co Retirement Plan-372$3,332,494$412,845$1,110iApproximate average salary by contribution assumption: employee only about $27,745 at 4% or $18,497 at 6%; with 50% employer match about $18,497 at 4% or $12,331 at 6%; with 100% employer match about $13,872 at 4% or $9,248 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-227---
20094414$21,495,064$2,492,666$6,021iApproximate average salary by contribution assumption: employee only about $150,523 at 4% or $100,349 at 6%; with 50% employer match about $100,349 at 4% or $66,899 at 6%; with 100% employer match about $75,262 at 4% or $50,174 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-414$9,941,109$1,331,630$3,216iApproximate average salary by contribution assumption: employee only about $80,412 at 4% or $53,608 at 6%; with 50% employer match about $53,608 at 4% or $35,739 at 6%; with 100% employer match about $40,206 at 4% or $26,804 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-114$8,602,786$750,000$6,579iApproximate average salary by contribution assumption: employee only about $164,474 at 4% or $109,649 at 6%; with 50% employer match about $109,649 at 4% or $73,099 at 6%; with 100% employer match about $82,237 at 4% or $54,825 at 6%.
Pan-O-Gold Baking Co Retirement Plan-161$2,951,169$411,036$2,553iApproximate average salary by contribution assumption: employee only about $63,825 at 4% or $42,550 at 6%; with 50% employer match about $42,550 at 4% or $28,367 at 6%; with 100% employer match about $31,913 at 4% or $21,275 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-211---
20083422$19,061,940$2,352,838$5,575iApproximate average salary by contribution assumption: employee only about $139,386 at 4% or $92,924 at 6%; with 50% employer match about $92,924 at 4% or $61,949 at 6%; with 100% employer match about $69,693 at 4% or $46,462 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-422$8,824,068$1,256,476$2,977iApproximate average salary by contribution assumption: employee only about $74,436 at 4% or $49,624 at 6%; with 50% employer match about $49,624 at 4% or $33,083 at 6%; with 100% employer match about $37,218 at 4% or $24,812 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-111$7,624,363$700,000$6,306iApproximate average salary by contribution assumption: employee only about $157,658 at 4% or $105,105 at 6%; with 50% employer match about $105,105 at 4% or $70,070 at 6%; with 100% employer match about $78,829 at 4% or $52,553 at 6%.
Pan-O-Gold Baking Co Retirement Plan-153$2,613,509$396,362$2,591iApproximate average salary by contribution assumption: employee only about $64,765 at 4% or $43,177 at 6%; with 50% employer match about $43,177 at 4% or $28,784 at 6%; with 100% employer match about $32,383 at 4% or $21,588 at 6%.
20074401$10,858,742$1,640,919$4,092iApproximate average salary by contribution assumption: employee only about $102,302 at 4% or $68,201 at 6%; with 50% employer match about $68,201 at 4% or $45,467 at 6%; with 100% employer match about $51,151 at 4% or $34,101 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-401$8,396,000$1,241,487$3,096iApproximate average salary by contribution assumption: employee only about $77,399 at 4% or $51,600 at 6%; with 50% employer match about $51,600 at 4% or $34,400 at 6%; with 100% employer match about $38,700 at 4% or $25,800 at 6%.
Pan-O-Gold Baking Co Retirement Plan-149$2,462,742$399,432$2,681iApproximate average salary by contribution assumption: employee only about $67,019 at 4% or $44,679 at 6%; with 50% employer match about $44,679 at 4% or $29,786 at 6%; with 100% employer match about $33,509 at 4% or $22,340 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-109---
Pan-O-Gold Baking Co. Health and Welfare Plan-0---
20064418$10,369,109$1,097,902$2,627iApproximate average salary by contribution assumption: employee only about $65,664 at 4% or $43,776 at 6%; with 50% employer match about $43,776 at 4% or $29,184 at 6%; with 100% employer match about $32,832 at 4% or $21,888 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-106$8,075,517$700,000$6,604iApproximate average salary by contribution assumption: employee only about $165,094 at 4% or $110,063 at 6%; with 50% employer match about $110,063 at 4% or $73,375 at 6%; with 100% employer match about $82,547 at 4% or $55,031 at 6%.
Pan-O-Gold Baking Co Retirement Plan-152$2,293,592$397,902$2,618iApproximate average salary by contribution assumption: employee only about $65,444 at 4% or $43,630 at 6%; with 50% employer match about $43,630 at 4% or $29,086 at 6%; with 100% employer match about $32,722 at 4% or $21,815 at 6%.
Pan-O-Gold Baking Co. Health and Welfare Plan-226---
Pan-O-Gold Baking Company Employee Savings Plan-418---
20054478$0$0-
Pan-O-Gold Baking Co. Health and Welfare Plan-210---
Pan-O-Gold Baking Company Employee Savings Plan-478---
Pan-O-Gold Baking Co Retirement Plan-150---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-99---
20044501$0$0-
Pan-O-Gold Baking Co. Health and Welfare Plan-213---
Pan-O-Gold Baking Company Employee Savings Plan-501---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-97---
Pan-O-Gold Baking Co Retirement Plan-143---
20033419$0$0-
Pan-O-Gold Baking Co Retirement Plan-152---
Pan-O-Gold Baking Company Employee Savings Plan-419---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-96---
20023331$0$0-
Pan-O-Gold Baking Company Employee Savings Plan-331---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-96---
Pan-O-Gold Baking Co Retirement Plan-106---
20013341$0$0-
Pan-O-Gold Baking Company Employee Savings Plan-341---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-91---
Pan-O-Gold Baking Co Retirement Plan-131---
20003265$2,464,464$531,628$2,006iApproximate average salary by contribution assumption: employee only about $50,154 at 4% or $33,436 at 6%; with 50% employer match about $33,436 at 4% or $22,290 at 6%; with 100% employer match about $25,077 at 4% or $16,718 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-265$2,464,464$531,628$2,006iApproximate average salary by contribution assumption: employee only about $50,154 at 4% or $33,436 at 6%; with 50% employer match about $33,436 at 4% or $22,290 at 6%; with 100% employer match about $25,077 at 4% or $16,718 at 6%.
Pan-O-Gold Baking Co Retirement Plan-85---
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-84---
19993167$10,032,222$759,952$4,551iApproximate average salary by contribution assumption: employee only about $113,765 at 4% or $75,844 at 6%; with 50% employer match about $75,844 at 4% or $50,562 at 6%; with 100% employer match about $56,883 at 4% or $37,922 at 6%.
Pan-O-Gold Baking Co Employee Stock Ownership Plan I-73$7,287,357$300,000$4,110iApproximate average salary by contribution assumption: employee only about $102,740 at 4% or $68,493 at 6%; with 50% employer match about $68,493 at 4% or $45,662 at 6%; with 100% employer match about $51,370 at 4% or $34,247 at 6%.
Pan-O-Gold Baking Company Employee Savings Plan-167$2,433,513$366,132$2,192iApproximate average salary by contribution assumption: employee only about $54,810 at 4% or $36,540 at 6%; with 50% employer match about $36,540 at 4% or $24,360 at 6%; with 100% employer match about $27,405 at 4% or $18,270 at 6%.
Pan-O-Gold Baking Co Retirement Plan-51$311,352$93,820$1,840iApproximate average salary by contribution assumption: employee only about $45,990 at 4% or $30,660 at 6%; with 50% employer match about $30,660 at 4% or $20,440 at 6%; with 100% employer match about $22,995 at 4% or $15,330 at 6%.