Civic Intelligence

Horner & Shifrin, Inc.

Plan context: Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust

EIN 43-0861661 • St. Louis, MO • 60 filings • 11 plans

401 S. 18th StreetSuite 400St. Louis, MO 63103
Current Snapshot

Latest Year

2024

2024 Participants

178

2024 Assets

$36,604,289

2024 Contributions

$2,433,929

Historical Graphs

Total Assets Over Time

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

$36,604,289$18,302,145$0199920122024YearValue
$36,604,289Latest year 2024

Participants Over Time

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

2791400199920122024YearValue
178Latest 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
20242178$36,604,289$2,433,929$13,674iApproximate average salary by contribution assumption: employee only about $341,844 at 4% or $227,896 at 6%; with 50% employer match about $227,896 at 4% or $151,931 at 6%; with 100% employer match about $170,922 at 4% or $113,948 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-125$20,277,059$1,120,000$8,960iApproximate average salary by contribution assumption: employee only about $224,000 at 4% or $149,333 at 6%; with 50% employer match about $149,333 at 4% or $99,556 at 6%; with 100% employer match about $112,000 at 4% or $74,667 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-178$16,327,230$1,313,929$7,382iApproximate average salary by contribution assumption: employee only about $184,541 at 4% or $123,027 at 6%; with 50% employer match about $123,027 at 4% or $82,018 at 6%; with 100% employer match about $92,270 at 4% or $61,514 at 6%.
20233279$28,181,916$2,182,846$7,824iApproximate average salary by contribution assumption: employee only about $195,596 at 4% or $130,397 at 6%; with 50% employer match about $130,397 at 4% or $86,931 at 6%; with 100% employer match about $97,798 at 4% or $65,199 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-114$14,777,046$1,026,200$9,002iApproximate average salary by contribution assumption: employee only about $225,044 at 4% or $150,029 at 6%; with 50% employer match about $150,029 at 4% or $100,019 at 6%; with 100% employer match about $112,522 at 4% or $75,015 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-163$13,404,870$1,156,646$7,096iApproximate average salary by contribution assumption: employee only about $177,400 at 4% or $118,266 at 6%; with 50% employer match about $118,266 at 4% or $78,844 at 6%; with 100% employer match about $88,700 at 4% or $59,133 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-279---
20223179$23,375,128$1,897,531$10,601iApproximate average salary by contribution assumption: employee only about $265,018 at 4% or $176,679 at 6%; with 50% employer match about $176,679 at 4% or $117,786 at 6%; with 100% employer match about $132,509 at 4% or $88,339 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-95$12,369,792$802,826$8,451iApproximate average salary by contribution assumption: employee only about $211,270 at 4% or $140,847 at 6%; with 50% employer match about $140,847 at 4% or $93,898 at 6%; with 100% employer match about $105,635 at 4% or $70,423 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-123$11,005,336$1,094,705$8,900iApproximate average salary by contribution assumption: employee only about $222,501 at 4% or $148,334 at 6%; with 50% employer match about $148,334 at 4% or $98,889 at 6%; with 100% employer match about $111,251 at 4% or $74,167 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-179---
20213119$22,867,462$1,781,521$14,971iApproximate average salary by contribution assumption: employee only about $374,269 at 4% or $249,513 at 6%; with 50% employer match about $249,513 at 4% or $166,342 at 6%; with 100% employer match about $187,135 at 4% or $124,756 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-100$13,275,824$976,521$9,765iApproximate average salary by contribution assumption: employee only about $244,130 at 4% or $162,754 at 6%; with 50% employer match about $162,754 at 4% or $108,502 at 6%; with 100% employer match about $122,065 at 4% or $81,377 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-91$9,591,638$805,000$8,846iApproximate average salary by contribution assumption: employee only about $221,154 at 4% or $147,436 at 6%; with 50% employer match about $147,436 at 4% or $98,291 at 6%; with 100% employer match about $110,577 at 4% or $73,718 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-119---
20203119$20,430,394$1,445,649$12,148iApproximate average salary by contribution assumption: employee only about $303,708 at 4% or $202,472 at 6%; with 50% employer match about $202,472 at 4% or $134,981 at 6%; with 100% employer match about $151,854 at 4% or $101,236 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-119$11,013,070$845,649$7,106iApproximate average salary by contribution assumption: employee only about $177,657 at 4% or $118,438 at 6%; with 50% employer match about $118,438 at 4% or $78,959 at 6%; with 100% employer match about $88,829 at 4% or $59,219 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-91$9,417,324$600,000$6,593iApproximate average salary by contribution assumption: employee only about $164,835 at 4% or $109,890 at 6%; with 50% employer match about $109,890 at 4% or $73,260 at 6%; with 100% employer match about $82,418 at 4% or $54,945 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-106---
20192119$15,822,338$1,303,168$10,951iApproximate average salary by contribution assumption: employee only about $273,775 at 4% or $182,517 at 6%; with 50% employer match about $182,517 at 4% or $121,678 at 6%; with 100% employer match about $136,887 at 4% or $91,258 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-119$9,121,056$763,168$6,413iApproximate average salary by contribution assumption: employee only about $160,329 at 4% or $106,886 at 6%; with 50% employer match about $106,886 at 4% or $71,258 at 6%; with 100% employer match about $80,165 at 4% or $53,443 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-80$6,701,282$540,000$6,750iApproximate average salary by contribution assumption: employee only about $168,750 at 4% or $112,500 at 6%; with 50% employer match about $112,500 at 4% or $75,000 at 6%; with 100% employer match about $84,375 at 4% or $56,250 at 6%.
20182105$12,480,478$1,280,671$12,197iApproximate average salary by contribution assumption: employee only about $304,922 at 4% or $203,281 at 6%; with 50% employer match about $203,281 at 4% or $135,521 at 6%; with 100% employer match about $152,461 at 4% or $101,641 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-105$6,910,912$800,671$7,625iApproximate average salary by contribution assumption: employee only about $190,636 at 4% or $127,091 at 6%; with 50% employer match about $127,091 at 4% or $84,727 at 6%; with 100% employer match about $95,318 at 4% or $63,545 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-72$5,569,566$480,000$6,667iApproximate average salary by contribution assumption: employee only about $166,667 at 4% or $111,111 at 6%; with 50% employer match about $111,111 at 4% or $74,074 at 6%; with 100% employer match about $83,333 at 4% or $55,556 at 6%.
2017276$13,356,739$964,713$12,694iApproximate average salary by contribution assumption: employee only about $317,340 at 4% or $211,560 at 6%; with 50% employer match about $211,560 at 4% or $141,040 at 6%; with 100% employer match about $158,670 at 4% or $105,780 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-65$7,565,381$604,713$9,303iApproximate average salary by contribution assumption: employee only about $232,582 at 4% or $155,055 at 6%; with 50% employer match about $155,055 at 4% or $103,370 at 6%; with 100% employer match about $116,291 at 4% or $77,527 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-76$5,791,358$360,000$4,737iApproximate average salary by contribution assumption: employee only about $118,421 at 4% or $78,947 at 6%; with 50% employer match about $78,947 at 4% or $52,632 at 6%; with 100% employer match about $59,211 at 4% or $39,474 at 6%.
2016269$11,789,146$782,360$11,339iApproximate average salary by contribution assumption: employee only about $283,464 at 4% or $188,976 at 6%; with 50% employer match about $188,976 at 4% or $125,984 at 6%; with 100% employer match about $141,732 at 4% or $94,488 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-68$6,375,119$436,660$6,421iApproximate average salary by contribution assumption: employee only about $160,537 at 4% or $107,025 at 6%; with 50% employer match about $107,025 at 4% or $71,350 at 6%; with 100% employer match about $80,268 at 4% or $53,512 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-69$5,414,027$345,700$5,010iApproximate average salary by contribution assumption: employee only about $125,254 at 4% or $83,502 at 6%; with 50% employer match about $83,502 at 4% or $55,668 at 6%; with 100% employer match about $62,627 at 4% or $41,751 at 6%.
2015281$11,594,048$1,201,244$14,830iApproximate average salary by contribution assumption: employee only about $370,754 at 4% or $247,170 at 6%; with 50% employer match about $247,170 at 4% or $164,780 at 6%; with 100% employer match about $185,377 at 4% or $123,585 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-81$6,805,437$561,777$6,936iApproximate average salary by contribution assumption: employee only about $173,388 at 4% or $115,592 at 6%; with 50% employer match about $115,592 at 4% or $77,061 at 6%; with 100% employer match about $86,694 at 4% or $57,796 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-65$4,788,611$639,467$9,838iApproximate average salary by contribution assumption: employee only about $245,949 at 4% or $163,966 at 6%; with 50% employer match about $163,966 at 4% or $109,311 at 6%; with 100% employer match about $122,974 at 4% or $81,983 at 6%.
2014283$11,767,091$904,896$10,902iApproximate average salary by contribution assumption: employee only about $272,559 at 4% or $181,706 at 6%; with 50% employer match about $181,706 at 4% or $121,137 at 6%; with 100% employer match about $136,280 at 4% or $90,853 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-83$7,116,970$526,296$6,341iApproximate average salary by contribution assumption: employee only about $158,523 at 4% or $105,682 at 6%; with 50% employer match about $105,682 at 4% or $70,455 at 6%; with 100% employer match about $79,261 at 4% or $52,841 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-63$4,650,121$378,600$6,010iApproximate average salary by contribution assumption: employee only about $150,238 at 4% or $100,159 at 6%; with 50% employer match about $100,159 at 4% or $66,772 at 6%; with 100% employer match about $75,119 at 4% or $50,079 at 6%.
2013275$10,601,140$579,075$7,721iApproximate average salary by contribution assumption: employee only about $193,025 at 4% or $128,683 at 6%; with 50% employer match about $128,683 at 4% or $85,789 at 6%; with 100% employer match about $96,513 at 4% or $64,342 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-75$7,210,867$429,075$5,721iApproximate average salary by contribution assumption: employee only about $143,025 at 4% or $95,350 at 6%; with 50% employer match about $95,350 at 4% or $63,567 at 6%; with 100% employer match about $71,513 at 4% or $47,675 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-55$3,390,273$150,000$2,727iApproximate average salary by contribution assumption: employee only about $68,182 at 4% or $45,455 at 6%; with 50% employer match about $45,455 at 4% or $30,303 at 6%; with 100% employer match about $34,091 at 4% or $22,727 at 6%.
2012270$8,749,409$820,862$11,727iApproximate average salary by contribution assumption: employee only about $293,165 at 4% or $195,443 at 6%; with 50% employer match about $195,443 at 4% or $130,296 at 6%; with 100% employer match about $146,583 at 4% or $97,722 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-70$6,507,848$670,862$9,584iApproximate average salary by contribution assumption: employee only about $239,594 at 4% or $159,729 at 6%; with 50% employer match about $159,729 at 4% or $106,486 at 6%; with 100% employer match about $119,797 at 4% or $79,865 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-56$2,241,561$150,000$2,679iApproximate average salary by contribution assumption: employee only about $66,964 at 4% or $44,643 at 6%; with 50% employer match about $44,643 at 4% or $29,762 at 6%; with 100% employer match about $33,482 at 4% or $22,321 at 6%.
2011278$10,835,816$829,289$10,632iApproximate average salary by contribution assumption: employee only about $265,798 at 4% or $177,199 at 6%; with 50% employer match about $177,199 at 4% or $118,132 at 6%; with 100% employer match about $132,899 at 4% or $88,599 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-78$7,627,890$529,289$6,786iApproximate average salary by contribution assumption: employee only about $169,644 at 4% or $113,096 at 6%; with 50% employer match about $113,096 at 4% or $75,397 at 6%; with 100% employer match about $84,822 at 4% or $56,548 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-60$3,207,926$300,000$5,000iApproximate average salary by contribution assumption: employee only about $125,000 at 4% or $83,333 at 6%; with 50% employer match about $83,333 at 4% or $55,556 at 6%; with 100% employer match about $62,500 at 4% or $41,667 at 6%.
2010276$11,044,340$732,905$9,643iApproximate average salary by contribution assumption: employee only about $241,087 at 4% or $160,725 at 6%; with 50% employer match about $160,725 at 4% or $107,150 at 6%; with 100% employer match about $120,544 at 4% or $80,362 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-76$7,135,688$462,905$6,091iApproximate average salary by contribution assumption: employee only about $152,271 at 4% or $101,514 at 6%; with 50% employer match about $101,514 at 4% or $67,676 at 6%; with 100% employer match about $76,136 at 4% or $50,757 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-62$3,908,652$270,000$4,355iApproximate average salary by contribution assumption: employee only about $108,871 at 4% or $72,581 at 6%; with 50% employer match about $72,581 at 4% or $48,387 at 6%; with 100% employer match about $54,435 at 4% or $36,290 at 6%.
2009276$10,212,690$787,906$10,367iApproximate average salary by contribution assumption: employee only about $259,180 at 4% or $172,786 at 6%; with 50% employer match about $172,786 at 4% or $115,191 at 6%; with 100% employer match about $129,590 at 4% or $86,393 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-76$6,216,678$462,906$6,091iApproximate average salary by contribution assumption: employee only about $152,272 at 4% or $101,514 at 6%; with 50% employer match about $101,514 at 4% or $67,676 at 6%; with 100% employer match about $76,136 at 4% or $50,757 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-62$3,996,012$325,000$5,242iApproximate average salary by contribution assumption: employee only about $131,048 at 4% or $87,366 at 6%; with 50% employer match about $87,366 at 4% or $58,244 at 6%; with 100% employer match about $65,524 at 4% or $43,683 at 6%.
2008266$8,304,457$498,706$7,556iApproximate average salary by contribution assumption: employee only about $188,904 at 4% or $125,936 at 6%; with 50% employer match about $125,936 at 4% or $83,957 at 6%; with 100% employer match about $94,452 at 4% or $62,968 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-66$4,815,719$498,706$7,556iApproximate average salary by contribution assumption: employee only about $188,904 at 4% or $125,936 at 6%; with 50% employer match about $125,936 at 4% or $83,957 at 6%; with 100% employer match about $94,452 at 4% or $62,968 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-63$3,488,738--
2007276$0$0-
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-65---
Horner & Shifrin Inc Profit Sharing Plan-76---
2006277$9,106,772$817,652$10,619iApproximate average salary by contribution assumption: employee only about $265,471 at 4% or $176,981 at 6%; with 50% employer match about $176,981 at 4% or $117,987 at 6%; with 100% employer match about $132,736 at 4% or $88,490 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-77$5,500,293$473,133$6,145iApproximate average salary by contribution assumption: employee only about $153,615 at 4% or $102,410 at 6%; with 50% employer match about $102,410 at 4% or $68,273 at 6%; with 100% employer match about $76,807 at 4% or $51,205 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-57$3,606,479$344,519$6,044iApproximate average salary by contribution assumption: employee only about $151,105 at 4% or $100,737 at 6%; with 50% employer match about $100,737 at 4% or $67,158 at 6%; with 100% employer match about $75,552 at 4% or $50,368 at 6%.
2005272$8,409,575$825,674$11,468iApproximate average salary by contribution assumption: employee only about $286,692 at 4% or $191,128 at 6%; with 50% employer match about $191,128 at 4% or $127,419 at 6%; with 100% employer match about $143,346 at 4% or $95,564 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-72$4,662,834$665,674$9,245iApproximate average salary by contribution assumption: employee only about $231,137 at 4% or $154,091 at 6%; with 50% employer match about $154,091 at 4% or $102,727 at 6%; with 100% employer match about $115,568 at 4% or $77,046 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-60$3,746,741$160,000$2,667iApproximate average salary by contribution assumption: employee only about $66,667 at 4% or $44,444 at 6%; with 50% employer match about $44,444 at 4% or $29,630 at 6%; with 100% employer match about $33,333 at 4% or $22,222 at 6%.
2004278$8,814,652$809,127$10,373iApproximate average salary by contribution assumption: employee only about $259,336 at 4% or $172,890 at 6%; with 50% employer match about $172,890 at 4% or $115,260 at 6%; with 100% employer match about $129,668 at 4% or $86,445 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-78$4,672,100$447,627$5,739iApproximate average salary by contribution assumption: employee only about $143,470 at 4% or $95,647 at 6%; with 50% employer match about $95,647 at 4% or $63,765 at 6%; with 100% employer match about $71,735 at 4% or $47,823 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-70$4,142,552$361,500$5,164iApproximate average salary by contribution assumption: employee only about $129,107 at 4% or $86,071 at 6%; with 50% employer match about $86,071 at 4% or $57,381 at 6%; with 100% employer match about $64,554 at 4% or $43,036 at 6%.
2003284$8,178,664$660,302$7,861iApproximate average salary by contribution assumption: employee only about $196,518 at 4% or $131,012 at 6%; with 50% employer match about $131,012 at 4% or $87,342 at 6%; with 100% employer match about $98,259 at 4% or $65,506 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-84$4,175,363$100,000$1,190iApproximate average salary by contribution assumption: employee only about $29,762 at 4% or $19,841 at 6%; with 50% employer match about $19,841 at 4% or $13,228 at 6%; with 100% employer match about $14,881 at 4% or $9,921 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-84$4,003,301$560,302$6,670iApproximate average salary by contribution assumption: employee only about $166,757 at 4% or $111,171 at 6%; with 50% employer match about $111,171 at 4% or $74,114 at 6%; with 100% employer match about $83,378 at 4% or $55,586 at 6%.
2002393$7,148,111$995,621$10,706iApproximate average salary by contribution assumption: employee only about $267,640 at 4% or $178,427 at 6%; with 50% employer match about $178,427 at 4% or $118,951 at 6%; with 100% employer match about $133,820 at 4% or $89,213 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-80$4,361,540$539,775$6,747iApproximate average salary by contribution assumption: employee only about $168,680 at 4% or $112,453 at 6%; with 50% employer match about $112,453 at 4% or $74,969 at 6%; with 100% employer match about $84,340 at 4% or $56,227 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-93$2,786,571$455,846$4,902iApproximate average salary by contribution assumption: employee only about $122,539 at 4% or $81,693 at 6%; with 50% employer match about $81,693 at 4% or $54,462 at 6%; with 100% employer match about $61,270 at 4% or $40,846 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-50---
20013104$3,247,250$400,000$3,846iApproximate average salary by contribution assumption: employee only about $96,154 at 4% or $64,103 at 6%; with 50% employer match about $64,103 at 4% or $42,735 at 6%; with 100% employer match about $48,077 at 4% or $32,051 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-72$3,247,250$400,000$5,556iApproximate average salary by contribution assumption: employee only about $138,889 at 4% or $92,593 at 6%; with 50% employer match about $92,593 at 4% or $61,728 at 6%; with 100% employer match about $69,444 at 4% or $46,296 at 6%.
Horner & Shifrin Inc Profit Sharing Plan-104---
Horner & Shifrin, Inc. Tax Savings Plan-54---
2000463$2,040,788$312,603$4,962iApproximate average salary by contribution assumption: employee only about $124,049 at 4% or $82,699 at 6%; with 50% employer match about $82,699 at 4% or $55,133 at 6%; with 100% employer match about $62,024 at 4% or $41,350 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-63$2,033,431$274,302$4,354iApproximate average salary by contribution assumption: employee only about $108,850 at 4% or $72,567 at 6%; with 50% employer match about $72,567 at 4% or $48,378 at 6%; with 100% employer match about $54,425 at 4% or $36,283 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-37$7,357$38,301$1,035iApproximate average salary by contribution assumption: employee only about $25,879 at 4% or $17,253 at 6%; with 50% employer match about $17,253 at 4% or $11,502 at 6%; with 100% employer match about $12,940 at 4% or $8,626 at 6%.
003-0---
HORNER & SHIFRIN, INC. SUPPLEMENTAL RETIREMENT PLAN-0---
1999255$1,658,941$296,901$5,398iApproximate average salary by contribution assumption: employee only about $134,955 at 4% or $89,970 at 6%; with 50% employer match about $89,970 at 4% or $59,980 at 6%; with 100% employer match about $67,478 at 4% or $44,985 at 6%.
Horner & Shifrin Inc. Employee Stock Ownership Plan & Trust-55$1,649,996$276,000$5,018iApproximate average salary by contribution assumption: employee only about $125,455 at 4% or $83,636 at 6%; with 50% employer match about $83,636 at 4% or $55,758 at 6%; with 100% employer match about $62,727 at 4% or $41,818 at 6%.
Horner & Shifrin, Inc. Tax Savings Plan-44$8,945$20,901$475iApproximate average salary by contribution assumption: employee only about $11,876 at 4% or $7,917 at 6%; with 50% employer match about $7,917 at 4% or $5,278 at 6%; with 100% employer match about $5,938 at 4% or $3,959 at 6%.