Civic Intelligence

Educational Employees Credit Union

Plan context: Educational Employees Credit Union 401K Profit Sharing Plan and Trust

EIN 43-0739854 • 53 filings • 5 plans

Current Snapshot

Latest Year

2024

2024 Participants

252

2024 Assets

$25,242,289

2024 Contributions

$5,770,319

Historical Graphs

Total Assets Over Time

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

$43,900,729$21,950,365$0199920122024YearValue
$25,242,289Latest year 2024

Participants Over Time

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

2951480199920122024YearValue
252Latest 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
20242252$25,242,289$5,770,319$22,898iApproximate average salary by contribution assumption: employee only about $572,452 at 4% or $381,635 at 6%; with 50% employer match about $381,635 at 4% or $254,423 at 6%; with 100% employer match about $286,226 at 4% or $190,817 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-252$25,242,289$5,770,319$22,898iApproximate average salary by contribution assumption: employee only about $572,452 at 4% or $381,635 at 6%; with 50% employer match about $381,635 at 4% or $254,423 at 6%; with 100% employer match about $286,226 at 4% or $190,817 at 6%.
Educational Employees Credit Union Defined Benefit Plan-0---
20232248$42,429,259$2,237,093$9,021iApproximate average salary by contribution assumption: employee only about $225,513 at 4% or $150,342 at 6%; with 50% employer match about $150,342 at 4% or $100,228 at 6%; with 100% employer match about $112,757 at 4% or $75,171 at 6%.
Educational Employees Credit Union Defined Benefit Plan-68$24,884,697--
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-248$17,544,562$2,237,093$9,021iApproximate average salary by contribution assumption: employee only about $225,513 at 4% or $150,342 at 6%; with 50% employer match about $150,342 at 4% or $100,228 at 6%; with 100% employer match about $112,757 at 4% or $75,171 at 6%.
20222264$38,795,520$2,316,204$8,774iApproximate average salary by contribution assumption: employee only about $219,338 at 4% or $146,225 at 6%; with 50% employer match about $146,225 at 4% or $97,483 at 6%; with 100% employer match about $109,669 at 4% or $73,113 at 6%.
Educational Employees Credit Union Defined Benefit Plan-76$25,301,630$631,324$8,307iApproximate average salary by contribution assumption: employee only about $207,672 at 4% or $138,448 at 6%; with 50% employer match about $138,448 at 4% or $92,299 at 6%; with 100% employer match about $103,836 at 4% or $69,224 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-264$13,493,890$1,684,880$6,382iApproximate average salary by contribution assumption: employee only about $159,553 at 4% or $106,369 at 6%; with 50% employer match about $106,369 at 4% or $70,912 at 6%; with 100% employer match about $79,777 at 4% or $53,184 at 6%.
20212234$43,900,729$5,318,540$22,729iApproximate average salary by contribution assumption: employee only about $568,220 at 4% or $378,813 at 6%; with 50% employer match about $378,813 at 4% or $252,542 at 6%; with 100% employer match about $284,110 at 4% or $189,407 at 6%.
Educational Employees Credit Union Defined Benefit Plan-85$27,720,616$4,369,246$51,403iApproximate average salary by contribution assumption: employee only about $1,285,072 at 4% or $856,715 at 6%; with 50% employer match about $856,715 at 4% or $571,143 at 6%; with 100% employer match about $642,536 at 4% or $428,357 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-234$16,180,113$949,294$4,057iApproximate average salary by contribution assumption: employee only about $101,420 at 4% or $67,614 at 6%; with 50% employer match about $67,614 at 4% or $45,076 at 6%; with 100% employer match about $50,710 at 4% or $33,807 at 6%.
20202245$42,140,305$4,763,831$19,444iApproximate average salary by contribution assumption: employee only about $486,105 at 4% or $324,070 at 6%; with 50% employer match about $324,070 at 4% or $216,047 at 6%; with 100% employer match about $243,053 at 4% or $162,035 at 6%.
Educational Employees Credit Union Defined Benefit Plan-96$28,290,801$3,781,401$39,390iApproximate average salary by contribution assumption: employee only about $984,740 at 4% or $656,493 at 6%; with 50% employer match about $656,493 at 4% or $437,662 at 6%; with 100% employer match about $492,370 at 4% or $328,247 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-245$13,849,504$982,430$4,010iApproximate average salary by contribution assumption: employee only about $100,248 at 4% or $66,832 at 6%; with 50% employer match about $66,832 at 4% or $44,555 at 6%; with 100% employer match about $50,124 at 4% or $33,416 at 6%.
20192243$37,533,002$3,619,635$14,896iApproximate average salary by contribution assumption: employee only about $372,390 at 4% or $248,260 at 6%; with 50% employer match about $248,260 at 4% or $165,507 at 6%; with 100% employer match about $186,195 at 4% or $124,130 at 6%.
Educational Employees Credit Union Defined Benefit Plan-102$25,635,111$2,783,544$27,290iApproximate average salary by contribution assumption: employee only about $682,241 at 4% or $454,827 at 6%; with 50% employer match about $454,827 at 4% or $303,218 at 6%; with 100% employer match about $341,121 at 4% or $227,414 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-243$11,897,891$836,091$3,441iApproximate average salary by contribution assumption: employee only about $86,018 at 4% or $57,345 at 6%; with 50% employer match about $57,345 at 4% or $38,230 at 6%; with 100% employer match about $43,009 at 4% or $28,673 at 6%.
20182238$32,832,410$4,863,275$20,434iApproximate average salary by contribution assumption: employee only about $510,848 at 4% or $340,565 at 6%; with 50% employer match about $340,565 at 4% or $227,044 at 6%; with 100% employer match about $255,424 at 4% or $170,283 at 6%.
Educational Employees Credit Union Defined Benefit Plan-111$23,243,328$4,047,610$36,465iApproximate average salary by contribution assumption: employee only about $911,624 at 4% or $607,749 at 6%; with 50% employer match about $607,749 at 4% or $405,166 at 6%; with 100% employer match about $455,812 at 4% or $303,875 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-238$9,589,082$815,665$3,427iApproximate average salary by contribution assumption: employee only about $85,679 at 4% or $57,119 at 6%; with 50% employer match about $57,119 at 4% or $38,080 at 6%; with 100% employer match about $42,840 at 4% or $28,560 at 6%.
20172216$32,025,979$4,614,151$21,362iApproximate average salary by contribution assumption: employee only about $534,045 at 4% or $356,030 at 6%; with 50% employer match about $356,030 at 4% or $237,353 at 6%; with 100% employer match about $267,023 at 4% or $178,015 at 6%.
Educational Employees Credit Union Defined Benefit Plan-124$20,362,769$3,368,925$27,169iApproximate average salary by contribution assumption: employee only about $679,219 at 4% or $452,813 at 6%; with 50% employer match about $452,813 at 4% or $301,875 at 6%; with 100% employer match about $339,609 at 4% or $226,406 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-216$11,663,210$1,245,226$5,765iApproximate average salary by contribution assumption: employee only about $144,123 at 4% or $96,082 at 6%; with 50% employer match about $96,082 at 4% or $64,055 at 6%; with 100% employer match about $72,062 at 4% or $48,041 at 6%.
20162241$31,844,693$4,187,021$17,374iApproximate average salary by contribution assumption: employee only about $434,338 at 4% or $289,559 at 6%; with 50% employer match about $289,559 at 4% or $193,039 at 6%; with 100% employer match about $217,169 at 4% or $144,779 at 6%.
Educational Employees Credit Union Defined Benefit Plan-154$20,648,257$3,505,886$22,765iApproximate average salary by contribution assumption: employee only about $569,137 at 4% or $379,425 at 6%; with 50% employer match about $379,425 at 4% or $252,950 at 6%; with 100% employer match about $284,569 at 4% or $189,712 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-241$11,196,436$681,135$2,826iApproximate average salary by contribution assumption: employee only about $70,657 at 4% or $47,105 at 6%; with 50% employer match about $47,105 at 4% or $31,403 at 6%; with 100% employer match about $35,329 at 4% or $23,552 at 6%.
20152242$26,986,378$3,487,171$14,410iApproximate average salary by contribution assumption: employee only about $360,245 at 4% or $240,163 at 6%; with 50% employer match about $240,163 at 4% or $160,109 at 6%; with 100% employer match about $180,122 at 4% or $120,082 at 6%.
Educational Employees Credit Union Defined Benefit Plan-171$16,944,035$2,821,883$16,502iApproximate average salary by contribution assumption: employee only about $412,556 at 4% or $275,037 at 6%; with 50% employer match about $275,037 at 4% or $183,358 at 6%; with 100% employer match about $206,278 at 4% or $137,519 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-242$10,042,343$665,288$2,749iApproximate average salary by contribution assumption: employee only about $68,728 at 4% or $45,819 at 6%; with 50% employer match about $45,819 at 4% or $30,546 at 6%; with 100% employer match about $34,364 at 4% or $22,909 at 6%.
20142243$26,022,968$3,040,084$12,511iApproximate average salary by contribution assumption: employee only about $312,766 at 4% or $208,511 at 6%; with 50% employer match about $208,511 at 4% or $139,007 at 6%; with 100% employer match about $156,383 at 4% or $104,255 at 6%.
Educational Employees Credit Union Defined Benefit Plan-187$16,110,784$2,073,678$11,089iApproximate average salary by contribution assumption: employee only about $277,230 at 4% or $184,820 at 6%; with 50% employer match about $184,820 at 4% or $123,213 at 6%; with 100% employer match about $138,615 at 4% or $92,410 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-243$9,912,184$966,406$3,977iApproximate average salary by contribution assumption: employee only about $99,424 at 4% or $66,283 at 6%; with 50% employer match about $66,283 at 4% or $44,189 at 6%; with 100% employer match about $49,712 at 4% or $33,141 at 6%.
20132235$22,738,665$2,407,764$10,246iApproximate average salary by contribution assumption: employee only about $256,145 at 4% or $170,763 at 6%; with 50% employer match about $170,763 at 4% or $113,842 at 6%; with 100% employer match about $128,073 at 4% or $85,382 at 6%.
Educational Employees Credit Union Defined Benefit Plan-207$14,267,778$1,853,470$8,954iApproximate average salary by contribution assumption: employee only about $223,849 at 4% or $149,233 at 6%; with 50% employer match about $149,233 at 4% or $99,488 at 6%; with 100% employer match about $111,925 at 4% or $74,616 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-235$8,470,887$554,294$2,359iApproximate average salary by contribution assumption: employee only about $58,967 at 4% or $39,312 at 6%; with 50% employer match about $39,312 at 4% or $26,208 at 6%; with 100% employer match about $29,484 at 4% or $19,656 at 6%.
20122236$20,656,055$1,977,588$8,380iApproximate average salary by contribution assumption: employee only about $209,490 at 4% or $139,660 at 6%; with 50% employer match about $139,660 at 4% or $93,107 at 6%; with 100% employer match about $104,745 at 4% or $69,830 at 6%.
Educational Employees Credit Union Defined Benefit Plan-233$13,085,372$1,432,876$6,150iApproximate average salary by contribution assumption: employee only about $153,742 at 4% or $102,495 at 6%; with 50% employer match about $102,495 at 4% or $68,330 at 6%; with 100% employer match about $76,871 at 4% or $51,247 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-236$7,570,683$544,712$2,308iApproximate average salary by contribution assumption: employee only about $57,703 at 4% or $38,468 at 6%; with 50% employer match about $38,468 at 4% or $25,646 at 6%; with 100% employer match about $28,851 at 4% or $19,234 at 6%.
20112284$18,561,825$1,654,622$5,826iApproximate average salary by contribution assumption: employee only about $145,653 at 4% or $97,102 at 6%; with 50% employer match about $97,102 at 4% or $64,735 at 6%; with 100% employer match about $72,827 at 4% or $48,551 at 6%.
Educational Employees Credit Union Defined Benefit Plan-284$11,938,790$1,114,698$3,925iApproximate average salary by contribution assumption: employee only about $98,125 at 4% or $65,417 at 6%; with 50% employer match about $65,417 at 4% or $43,611 at 6%; with 100% employer match about $49,062 at 4% or $32,708 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-242$6,623,035$539,924$2,231iApproximate average salary by contribution assumption: employee only about $55,777 at 4% or $37,185 at 6%; with 50% employer match about $37,185 at 4% or $24,790 at 6%; with 100% employer match about $27,889 at 4% or $18,592 at 6%.
20102287$17,234,306$1,880,245$6,551iApproximate average salary by contribution assumption: employee only about $163,784 at 4% or $109,190 at 6%; with 50% employer match about $109,190 at 4% or $72,793 at 6%; with 100% employer match about $81,892 at 4% or $54,595 at 6%.
Educational Employees Credit Union Defined Benefit Plan-287$10,780,870$1,090,267$3,799iApproximate average salary by contribution assumption: employee only about $94,971 at 4% or $63,314 at 6%; with 50% employer match about $63,314 at 4% or $42,209 at 6%; with 100% employer match about $47,485 at 4% or $31,657 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-248$6,453,436$789,978$3,185iApproximate average salary by contribution assumption: employee only about $79,635 at 4% or $53,090 at 6%; with 50% employer match about $53,090 at 4% or $35,393 at 6%; with 100% employer match about $39,817 at 4% or $26,545 at 6%.
20092294$14,980,563$1,490,641$5,070iApproximate average salary by contribution assumption: employee only about $126,755 at 4% or $84,503 at 6%; with 50% employer match about $84,503 at 4% or $56,336 at 6%; with 100% employer match about $63,378 at 4% or $42,252 at 6%.
Educational Employees Credit Union Defined Benefit Plan-294$9,592,096$994,600$3,383iApproximate average salary by contribution assumption: employee only about $84,575 at 4% or $56,383 at 6%; with 50% employer match about $56,383 at 4% or $37,589 at 6%; with 100% employer match about $42,287 at 4% or $28,192 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-248$5,388,467$496,041$2,000iApproximate average salary by contribution assumption: employee only about $50,004 at 4% or $33,336 at 6%; with 50% employer match about $33,336 at 4% or $22,224 at 6%; with 100% employer match about $25,002 at 4% or $16,668 at 6%.
20082295$13,496,378$2,354,783$7,982iApproximate average salary by contribution assumption: employee only about $199,558 at 4% or $133,039 at 6%; with 50% employer match about $133,039 at 4% or $88,692 at 6%; with 100% employer match about $99,779 at 4% or $66,519 at 6%.
Educational Employees Credit Union Defined Benefit Plan-295$8,914,432$1,777,886$6,027iApproximate average salary by contribution assumption: employee only about $150,668 at 4% or $100,446 at 6%; with 50% employer match about $100,446 at 4% or $66,964 at 6%; with 100% employer match about $75,334 at 4% or $50,223 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-244$4,581,946$576,897$2,364iApproximate average salary by contribution assumption: employee only about $59,108 at 4% or $39,406 at 6%; with 50% employer match about $39,406 at 4% or $26,270 at 6%; with 100% employer match about $29,554 at 4% or $19,703 at 6%.
20072292$12,665,556$1,438,911$4,928iApproximate average salary by contribution assumption: employee only about $123,194 at 4% or $82,130 at 6%; with 50% employer match about $82,130 at 4% or $54,753 at 6%; with 100% employer match about $61,597 at 4% or $41,065 at 6%.
Educational Employees Credit Union Defined Benefit Plan-292$6,860,902$900,741$3,085iApproximate average salary by contribution assumption: employee only about $77,118 at 4% or $51,412 at 6%; with 50% employer match about $51,412 at 4% or $34,275 at 6%; with 100% employer match about $38,559 at 4% or $25,706 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-225$5,804,654$538,170$2,392iApproximate average salary by contribution assumption: employee only about $59,797 at 4% or $39,864 at 6%; with 50% employer match about $39,864 at 4% or $26,576 at 6%; with 100% employer match about $29,898 at 4% or $19,932 at 6%.
20062263$10,741,746$1,259,476$4,789iApproximate average salary by contribution assumption: employee only about $119,722 at 4% or $79,815 at 6%; with 50% employer match about $79,815 at 4% or $53,210 at 6%; with 100% employer match about $59,861 at 4% or $39,907 at 6%.
Educational Employees Credit Union Defined Benefit Plan-263$5,786,405$824,700$3,136iApproximate average salary by contribution assumption: employee only about $78,394 at 4% or $52,262 at 6%; with 50% employer match about $52,262 at 4% or $34,842 at 6%; with 100% employer match about $39,197 at 4% or $26,131 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-207$4,955,341$434,776$2,100iApproximate average salary by contribution assumption: employee only about $52,509 at 4% or $35,006 at 6%; with 50% employer match about $35,006 at 4% or $23,337 at 6%; with 100% employer match about $26,255 at 4% or $17,503 at 6%.
20052225$9,530,984$1,195,112$5,312iApproximate average salary by contribution assumption: employee only about $132,790 at 4% or $88,527 at 6%; with 50% employer match about $88,527 at 4% or $59,018 at 6%; with 100% employer match about $66,395 at 4% or $44,263 at 6%.
Educational Employees Credit Union Defined Benefit Plan-225$5,238,903$753,719$3,350iApproximate average salary by contribution assumption: employee only about $83,747 at 4% or $55,831 at 6%; with 50% employer match about $55,831 at 4% or $37,221 at 6%; with 100% employer match about $41,873 at 4% or $27,916 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-197$4,292,081$441,393$2,241iApproximate average salary by contribution assumption: employee only about $56,014 at 4% or $37,343 at 6%; with 50% employer match about $37,343 at 4% or $24,895 at 6%; with 100% employer match about $28,007 at 4% or $18,671 at 6%.
20042230$8,248,863$1,103,639$4,798iApproximate average salary by contribution assumption: employee only about $119,961 at 4% or $79,974 at 6%; with 50% employer match about $79,974 at 4% or $53,316 at 6%; with 100% employer match about $59,980 at 4% or $39,987 at 6%.
Educational Employees Credit Union Defined Benefit Plan-230$4,432,286$688,257$2,992iApproximate average salary by contribution assumption: employee only about $74,811 at 4% or $49,874 at 6%; with 50% employer match about $49,874 at 4% or $33,249 at 6%; with 100% employer match about $37,405 at 4% or $24,937 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-192$3,816,577$415,382$2,163iApproximate average salary by contribution assumption: employee only about $54,086 at 4% or $36,057 at 6%; with 50% employer match about $36,057 at 4% or $24,038 at 6%; with 100% employer match about $27,043 at 4% or $18,029 at 6%.
20032212$7,309,542$1,024,321$4,832iApproximate average salary by contribution assumption: employee only about $120,793 at 4% or $80,528 at 6%; with 50% employer match about $80,528 at 4% or $53,686 at 6%; with 100% employer match about $60,396 at 4% or $40,264 at 6%.
Educational Employees Credit Union Defined Benefit Plan-212$3,874,822$616,639$2,909iApproximate average salary by contribution assumption: employee only about $72,717 at 4% or $48,478 at 6%; with 50% employer match about $48,478 at 4% or $32,319 at 6%; with 100% employer match about $36,358 at 4% or $24,239 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-168$3,434,720$407,682$2,427iApproximate average salary by contribution assumption: employee only about $60,667 at 4% or $40,445 at 6%; with 50% employer match about $40,445 at 4% or $26,963 at 6%; with 100% employer match about $30,333 at 4% or $20,222 at 6%.
20023185$5,874,124$936,555$5,062iApproximate average salary by contribution assumption: employee only about $126,561 at 4% or $84,374 at 6%; with 50% employer match about $84,374 at 4% or $56,250 at 6%; with 100% employer match about $63,281 at 4% or $42,187 at 6%.
Educational Employees Credit Union Defined Benefit Plan-185$3,213,285$535,448$2,894iApproximate average salary by contribution assumption: employee only about $72,358 at 4% or $48,239 at 6%; with 50% employer match about $48,239 at 4% or $32,159 at 6%; with 100% employer match about $36,179 at 4% or $24,119 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-162$2,660,839$401,107$2,476iApproximate average salary by contribution assumption: employee only about $61,899 at 4% or $41,266 at 6%; with 50% employer match about $41,266 at 4% or $27,511 at 6%; with 100% employer match about $30,950 at 4% or $20,633 at 6%.
VANTAGE CREDIT UNION CAFETERIA PLAN-0---
20012177$5,296,409$789,563$4,461iApproximate average salary by contribution assumption: employee only about $111,520 at 4% or $74,347 at 6%; with 50% employer match about $74,347 at 4% or $49,565 at 6%; with 100% employer match about $55,760 at 4% or $37,173 at 6%.
Educational Employees Credit Union Defined Benefit Plan-177$2,708,319$437,411$2,471iApproximate average salary by contribution assumption: employee only about $61,781 at 4% or $41,187 at 6%; with 50% employer match about $41,187 at 4% or $27,458 at 6%; with 100% employer match about $30,891 at 4% or $20,594 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-133$2,588,090$352,152$2,648iApproximate average salary by contribution assumption: employee only about $66,194 at 4% or $44,129 at 6%; with 50% employer match about $44,129 at 4% or $29,420 at 6%; with 100% employer match about $33,097 at 4% or $22,065 at 6%.
20002126$2,296,215$408,696$3,244iApproximate average salary by contribution assumption: employee only about $81,090 at 4% or $54,060 at 6%; with 50% employer match about $54,060 at 4% or $36,040 at 6%; with 100% employer match about $40,545 at 4% or $27,030 at 6%.
Educational Employees Credit Union Defined Benefit Plan-125$2,296,215$408,696$3,270iApproximate average salary by contribution assumption: employee only about $81,739 at 4% or $54,493 at 6%; with 50% employer match about $54,493 at 4% or $36,329 at 6%; with 100% employer match about $40,870 at 4% or $27,246 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-126---
19992120$4,233,360$685,859$5,715iApproximate average salary by contribution assumption: employee only about $142,887 at 4% or $95,258 at 6%; with 50% employer match about $95,258 at 4% or $63,505 at 6%; with 100% employer match about $71,444 at 4% or $47,629 at 6%.
Educational Employees Credit Union 401K Profit Sharing Plan and Trust-120$2,312,364$291,919$2,433iApproximate average salary by contribution assumption: employee only about $60,816 at 4% or $40,544 at 6%; with 50% employer match about $40,544 at 4% or $27,030 at 6%; with 100% employer match about $30,408 at 4% or $20,272 at 6%.
Educational Employees Credit Union Defined Benefit Plan-118$1,920,996$393,940$3,338iApproximate average salary by contribution assumption: employee only about $83,462 at 4% or $55,641 at 6%; with 50% employer match about $55,641 at 4% or $37,094 at 6%; with 100% employer match about $41,731 at 4% or $27,821 at 6%.