Belk Stores Services Inc.
Plan context: Belk 401K Savings Plan
EIN 56-0616731 • Charlotte, NC • 256 filings • 46 plans
Current Snapshot
Latest Year
2024
2024 Participants
18,856
2024 Assets
$710,419,571
2024 Contributions
$27,788,646
Historical Graphs
Total Assets Over Time
Aggregate end-of-year assets by filing year, excluding zero-asset years
Participants Over Time
Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans
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 / Filing | Filings | Participants | Assets | Contributions | Contrib./Participant |
|---|---|---|---|---|---|
| 2024 | 4 | 18,856 | $710,419,571 | $27,788,646 | $1,474iApproximate average salary by contribution assumption: employee only about $36,843 at 4% or $24,562 at 6%; with 50% employer match about $24,562 at 4% or $16,375 at 6%; with 100% employer match about $18,422 at 4% or $12,281 at 6%. |
| Belk 401K Savings Plan | - | 18,856 | $400,640,907 | $27,788,646 | $1,474iApproximate average salary by contribution assumption: employee only about $36,843 at 4% or $24,562 at 6%; with 50% employer match about $24,562 at 4% or $16,375 at 6%; with 100% employer match about $18,422 at 4% or $12,281 at 6%. |
| Belk Pension Plan | - | 641 | $309,778,664 | - | - |
| Belk Stores Services LLC Health & Welfare Plan | - | 14,407 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 6,118 | - | - | - |
| 2023 | 4 | 19,360 | $650,959,371 | $26,847,866 | $1,387iApproximate average salary by contribution assumption: employee only about $34,669 at 4% or $23,113 at 6%; with 50% employer match about $23,113 at 4% or $15,409 at 6%; with 100% employer match about $17,335 at 4% or $11,556 at 6%. |
| Belk 401K Savings Plan | - | 19,360 | $379,499,965 | $26,847,866 | $1,387iApproximate average salary by contribution assumption: employee only about $34,669 at 4% or $23,113 at 6%; with 50% employer match about $23,113 at 4% or $15,409 at 6%; with 100% employer match about $17,335 at 4% or $11,556 at 6%. |
| Belk Pension Plan | - | 724 | $271,459,406 | - | - |
| Belk Stores Services LLC Health & Welfare Plan | - | 15,209 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 6,243 | - | - | - |
| 2022 | 4 | 20,362 | $579,674,849 | $26,493,067 | $1,301iApproximate average salary by contribution assumption: employee only about $32,528 at 4% or $21,685 at 6%; with 50% employer match about $21,685 at 4% or $14,457 at 6%; with 100% employer match about $16,264 at 4% or $10,843 at 6%. |
| Belk 401K Savings Plan | - | 20,362 | $342,302,260 | $26,493,067 | $1,301iApproximate average salary by contribution assumption: employee only about $32,528 at 4% or $21,685 at 6%; with 50% employer match about $21,685 at 4% or $14,457 at 6%; with 100% employer match about $16,264 at 4% or $10,843 at 6%. |
| Belk Pension Plan | - | 810 | $237,372,589 | - | - |
| Belk Inc. Severance Pay Plan | - | 6,129 | - | - | - |
| Belk Stores Services LLC Health & Welfare Plan | - | 16,296 | - | - | - |
| 2021 | 4 | 20,066 | $759,360,303 | $24,695,747 | $1,231iApproximate average salary by contribution assumption: employee only about $30,768 at 4% or $20,512 at 6%; with 50% employer match about $20,512 at 4% or $13,675 at 6%; with 100% employer match about $15,384 at 4% or $10,256 at 6%. |
| Belk 401K Savings Plan | - | 20,066 | $417,198,648 | $24,695,747 | $1,231iApproximate average salary by contribution assumption: employee only about $30,768 at 4% or $20,512 at 6%; with 50% employer match about $20,512 at 4% or $13,675 at 6%; with 100% employer match about $15,384 at 4% or $10,256 at 6%. |
| Belk Pension Plan | - | 905 | $342,161,655 | - | - |
| Belk Stores Services LLC Health & Welfare Plan | - | 6,140 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 6,405 | - | - | - |
| 2020 | 4 | 21,579 | $997,864,143 | $18,356,535 | $851iApproximate average salary by contribution assumption: employee only about $21,267 at 4% or $14,178 at 6%; with 50% employer match about $14,178 at 4% or $9,452 at 6%; with 100% employer match about $10,633 at 4% or $7,089 at 6%. |
| Belk Pension Plan | - | 1,078 | $600,333,907 | - | - |
| Belk 401K Savings Plan | - | 21,579 | $397,530,236 | $18,356,535 | $851iApproximate average salary by contribution assumption: employee only about $21,267 at 4% or $14,178 at 6%; with 50% employer match about $14,178 at 4% or $9,452 at 6%; with 100% employer match about $10,633 at 4% or $7,089 at 6%. |
| Belk Stores Services LLC Health & Welfare Plan | - | 7,665 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 7,149 | - | - | - |
| 2019 | 4 | 26,808 | $950,712,341 | $31,277,336 | $1,167iApproximate average salary by contribution assumption: employee only about $29,168 at 4% or $19,445 at 6%; with 50% employer match about $19,445 at 4% or $12,964 at 6%; with 100% employer match about $14,584 at 4% or $9,723 at 6%. |
| Belk Pension Plan | - | 1,368 | $554,729,372 | $18,343 | $13iApproximate average salary by contribution assumption: employee only about $335 at 4% or $223 at 6%; with 50% employer match about $223 at 4% or $149 at 6%; with 100% employer match about $168 at 4% or $112 at 6%. |
| Belk 401K Savings Plan | - | 26,808 | $395,982,969 | $31,258,993 | $1,166iApproximate average salary by contribution assumption: employee only about $29,151 at 4% or $19,434 at 6%; with 50% employer match about $19,434 at 4% or $12,956 at 6%; with 100% employer match about $14,575 at 4% or $9,717 at 6%. |
| Belk Stores Services LLC Health & Welfare Plan | - | 10,448 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 21,236 | - | - | - |
| 2018 | 4 | 31,930 | $762,598,396 | $85,633,492 | $2,682iApproximate average salary by contribution assumption: employee only about $67,048 at 4% or $44,699 at 6%; with 50% employer match about $44,699 at 4% or $29,799 at 6%; with 100% employer match about $33,524 at 4% or $22,349 at 6%. |
| Belk Pension Plan | - | 1,605 | $414,088,923 | - | - |
| Belk 401K Savings Plan | - | 31,930 | $348,509,473 | $31,104,940 | $974iApproximate average salary by contribution assumption: employee only about $24,354 at 4% or $16,236 at 6%; with 50% employer match about $16,236 at 4% or $10,824 at 6%; with 100% employer match about $12,177 at 4% or $8,118 at 6%. |
| Belk Inc. Severance Pay Plan | - | 22,491 | - | - | - |
| Belk Stores Services LLC Health & Welfare Plan | - | 23,439 | - | $54,528,552 | $2,326iApproximate average salary by contribution assumption: employee only about $58,160 at 4% or $38,773 at 6%; with 50% employer match about $38,773 at 4% or $25,849 at 6%; with 100% employer match about $29,080 at 4% or $19,387 at 6%. |
| 2017 | 16 | 29,967 | $863,303,369 | $109,644,159 | $3,659iApproximate average salary by contribution assumption: employee only about $91,471 at 4% or $60,981 at 6%; with 50% employer match about $60,981 at 4% or $40,654 at 6%; with 100% employer match about $45,735 at 4% or $30,490 at 6%. |
| Belk Pension Plan | - | 1,884 | $466,543,570 | - | - |
| Belk 401K Savings Plan | - | 29,967 | $392,298,820 | $28,018,887 | $935iApproximate average salary by contribution assumption: employee only about $23,375 at 4% or $15,583 at 6%; with 50% employer match about $15,583 at 4% or $10,389 at 6%; with 100% employer match about $11,687 at 4% or $7,792 at 6%. |
| Belk Employees Healthcare Plan | - | 7,849 | $4,460,979 | $81,625,272 | $10,399iApproximate average salary by contribution assumption: employee only about $259,986 at 4% or $173,324 at 6%; with 50% employer match about $173,324 at 4% or $115,549 at 6%; with 100% employer match about $129,993 at 4% or $86,662 at 6%. |
| Belk Inc. Severance Pay Plan | - | 21,781 | - | - | - |
| BELK EMPLOYEES' GROUP ACCIDENT AND HOSPITAL INDEMNITY PLAN | - | 0 | - | - | - |
| BELK EMPLOYEES' CRITICAL ILLNESS PLAN | - | 0 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 0 | - | - | - |
| Belk Employees' Vision Plan | - | 0 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 0 | - | - | - |
| Belk Employees' Business Travel Plan | - | 0 | - | - | - |
| Belk Employees' Group Life Insurance Plan | - | 0 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 0 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 0 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 0 | - | - | - |
| Belk Employee Assistance Program | - | 0 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 0 | - | - | - |
| 2016 | 14 | 23,600 | $917,043,486 | $112,709,460 | $4,776iApproximate average salary by contribution assumption: employee only about $119,396 at 4% or $79,597 at 6%; with 50% employer match about $79,597 at 4% or $53,065 at 6%; with 100% employer match about $59,698 at 4% or $39,799 at 6%. |
| Belk Pension Plan | - | 2,236 | $539,644,814 | - | - |
| Belk 401K Savings Plan | - | 23,600 | $373,157,767 | $29,396,646 | $1,246iApproximate average salary by contribution assumption: employee only about $31,141 at 4% or $20,760 at 6%; with 50% employer match about $20,760 at 4% or $13,840 at 6%; with 100% employer match about $15,570 at 4% or $10,380 at 6%. |
| Belk Employees Healthcare Plan | - | 7,742 | $4,240,905 | $83,312,814 | $10,761iApproximate average salary by contribution assumption: employee only about $269,029 at 4% or $179,352 at 6%; with 50% employer match about $179,352 at 4% or $119,568 at 6%; with 100% employer match about $134,514 at 4% or $89,676 at 6%. |
| Belk Employees' Short Term Disability Income Plan | - | 11,758 | - | - | - |
| Belk Employees' Group Life Insurance Plan | - | 11,723 | - | - | - |
| Belk Employee Assistance Program | - | 22,473 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 632 | - | - | - |
| Belk Employees' Vision Plan | - | 7,050 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,513 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 756 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 656 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 2,317 | - | - | - |
| Belk Employees' Business Travel Plan | - | 22,473 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 16,520 | - | - | - |
| 2015 | 13 | 24,425 | $901,364,118 | $107,744,556 | $4,411iApproximate average salary by contribution assumption: employee only about $110,281 at 4% or $73,521 at 6%; with 50% employer match about $73,521 at 4% or $49,014 at 6%; with 100% employer match about $55,141 at 4% or $36,760 at 6%. |
| Belk Pension Plan | - | 2,553 | $531,482,628 | - | - |
| Belk 401K Savings Plan | - | 24,425 | $366,461,809 | $28,117,063 | $1,151iApproximate average salary by contribution assumption: employee only about $28,779 at 4% or $19,186 at 6%; with 50% employer match about $19,186 at 4% or $12,791 at 6%; with 100% employer match about $14,389 at 4% or $9,593 at 6%. |
| Belk Employees Healthcare Plan | - | 8,263 | $3,419,681 | $79,627,493 | $9,637iApproximate average salary by contribution assumption: employee only about $240,916 at 4% or $160,611 at 6%; with 50% employer match about $160,611 at 4% or $107,074 at 6%; with 100% employer match about $120,458 at 4% or $80,305 at 6%. |
| Belk Employees' Vision Plan | - | 7,238 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,587 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 786 | - | - | - |
| Belk Employees' Business Travel Plan | - | 22,804 | - | - | - |
| Belk Employees' Group Life Insurance Plan | - | 11,814 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 2,524 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 11,785 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 716 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 833 | - | - | - |
| Belk Inc. Severance Pay Plan | - | 17,331 | - | - | - |
| 2014 | 13 | 23,403 | $963,303,839 | $109,465,682 | $4,677iApproximate average salary by contribution assumption: employee only about $116,936 at 4% or $77,957 at 6%; with 50% employer match about $77,957 at 4% or $51,971 at 6%; with 100% employer match about $58,468 at 4% or $38,979 at 6%. |
| Belk Pension Plan | - | 2,953 | $571,078,414 | - | - |
| Belk 401K Savings Plan | - | 20,103 | $388,618,014 | $26,530,353 | $1,320iApproximate average salary by contribution assumption: employee only about $32,993 at 4% or $21,995 at 6%; with 50% employer match about $21,995 at 4% or $14,664 at 6%; with 100% employer match about $16,497 at 4% or $10,998 at 6%. |
| Belk Employees Healthcare Plan | - | 8,982 | $3,607,411 | $82,935,329 | $9,234iApproximate average salary by contribution assumption: employee only about $230,838 at 4% or $153,892 at 6%; with 50% employer match about $153,892 at 4% or $102,594 at 6%; with 100% employer match about $115,419 at 4% or $76,946 at 6%. |
| Belk Employees' Group Life Insurance Plan | - | 12,652 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,688 | - | - | - |
| Belk Employees' Vision Plan | - | 7,587 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 12,684 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 2,842 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 680 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 633 | - | - | - |
| Belk Employees' Business Travel Plan | - | 23,403 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 719 | - | - | - |
| BELK EMPLOYEES' DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT | - | 100 | - | - | - |
| 2013 | 14 | 24,099 | $912,201,107 | $106,902,836 | $4,436iApproximate average salary by contribution assumption: employee only about $110,900 at 4% or $73,933 at 6%; with 50% employer match about $73,933 at 4% or $49,289 at 6%; with 100% employer match about $55,450 at 4% or $36,967 at 6%. |
| Belk Pension Plan | - | 3,331 | $534,163,361 | - | - |
| Belk 401K Savings Plan | - | 22,126 | $374,937,458 | $24,809,768 | $1,121iApproximate average salary by contribution assumption: employee only about $28,032 at 4% or $18,688 at 6%; with 50% employer match about $18,688 at 4% or $12,459 at 6%; with 100% employer match about $14,016 at 4% or $9,344 at 6%. |
| Belk Employees Healthcare Plan | - | 8,873 | $3,100,288 | $82,093,068 | $9,252iApproximate average salary by contribution assumption: employee only about $231,300 at 4% or $154,200 at 6%; with 50% employer match about $154,200 at 4% or $102,800 at 6%; with 100% employer match about $115,650 at 4% or $77,100 at 6%. |
| Belk Employees' Vision Plan | - | 7,605 | - | - | - |
| Belk Employees' Business Travel Plan | - | 24,099 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 3,040 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 12,970 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,378 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 650 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 770 | - | - | - |
| Belk Employees' Group Life Insurance Plan | - | 15,427 | - | - | - |
| BELK EMPLOYEES' DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT | - | 73 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 916 | - | - | - |
| BELK PART TIME EMPLOYEES' MEDICAL PLAN | - | 0 | - | - | - |
| 2012 | 14 | 23,080 | $864,000,119 | $144,678,793 | $6,269iApproximate average salary by contribution assumption: employee only about $156,714 at 4% or $104,476 at 6%; with 50% employer match about $104,476 at 4% or $69,651 at 6%; with 100% employer match about $78,357 at 4% or $52,238 at 6%. |
| Belk Pension Plan | - | 3,721 | $520,197,383 | $43,000,000 | $11,556iApproximate average salary by contribution assumption: employee only about $288,901 at 4% or $192,601 at 6%; with 50% employer match about $192,601 at 4% or $128,400 at 6%; with 100% employer match about $144,450 at 4% or $96,300 at 6%. |
| Belk 401K Savings Plan | - | 21,126 | $338,797,581 | $23,855,877 | $1,129iApproximate average salary by contribution assumption: employee only about $28,230 at 4% or $18,820 at 6%; with 50% employer match about $18,820 at 4% or $12,547 at 6%; with 100% employer match about $14,115 at 4% or $9,410 at 6%. |
| Belk Employees Healthcare Plan | - | 8,592 | $5,005,155 | $77,822,916 | $9,058iApproximate average salary by contribution assumption: employee only about $226,440 at 4% or $150,960 at 6%; with 50% employer match about $150,960 at 4% or $100,640 at 6%; with 100% employer match about $113,220 at 4% or $75,480 at 6%. |
| BELK PART TIME EMPLOYEES' MEDICAL PLAN | - | 473 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 576 | - | - | - |
| Belk Employees' Vision Plan | - | 7,351 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 12,706 | - | - | - |
| Belk Employees' Business Travel Plan | - | 23,080 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,285 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 3,163 | - | - | - |
| Belk Employees' Group Life Insurance Plan | - | 15,686 | - | - | - |
| Belk Part Time Employees Dental Plan | - | 743 | - | - | - |
| Belk Employees' Healthcare Flexible Spending Account | - | 856 | - | - | - |
| BELK EMPLOYEES' DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT | - | 75 | - | - | - |
| 2011 | 14 | 22,409 | $761,662,649 | $120,073,131 | $5,358iApproximate average salary by contribution assumption: employee only about $133,956 at 4% or $89,304 at 6%; with 50% employer match about $89,304 at 4% or $59,536 at 6%; with 100% employer match about $66,978 at 4% or $44,652 at 6%. |
| Belk Employees' Group Life Insurance Plan | - | 15,874 | - | - | - |
| Belk Employees' Short Term Disability Income Plan | - | 12,753 | - | - | - |
| Belk Employees' Long Term Disability Income Plan | - | 3,339 | - | - | - |
| Belk Part Time Employees' Vision Plan | - | 552 | - | - | - |
| BELK PART TIME EMPLOYEES' MEDICAL PLAN | - | 471 | - | - | - |
| Belk Employees' Business Travel Plan | - | 22,409 | - | - | - |
| Belk Employees' Personal Accident Insurance Plan | - | 3,329 | - | - | - |
| Belk Employees' Vision Plan | - | 7,359 | - | - | - |
| 2010 | 14 | 21,637 | $742,665,822 | $139,855,826 | $6,464iApproximate average salary by contribution assumption: employee only about $161,593 at 4% or $107,729 at 6%; with 50% employer match about $107,729 at 4% or $71,819 at 6%; with 100% employer match about $80,797 at 4% or $53,864 at 6%. |
| 2009 | 14 | 22,381 | $654,731,171 | $129,637,540 | $5,792iApproximate average salary by contribution assumption: employee only about $144,808 at 4% or $96,538 at 6%; with 50% employer match about $96,538 at 4% or $64,359 at 6%; with 100% employer match about $72,404 at 4% or $48,269 at 6%. |
| 2008 | 13 | 23,136 | $552,968,856 | $140,896,216 | $6,090iApproximate average salary by contribution assumption: employee only about $152,248 at 4% or $101,499 at 6%; with 50% employer match about $101,499 at 4% or $67,666 at 6%; with 100% employer match about $76,124 at 4% or $50,749 at 6%. |
| 2007 | 14 | 24,057 | $714,109,053 | $117,007,125 | $4,864iApproximate average salary by contribution assumption: employee only about $121,594 at 4% or $81,062 at 6%; with 50% employer match about $81,062 at 4% or $54,042 at 6%; with 100% employer match about $60,797 at 4% or $40,531 at 6%. |
| 2006 | 12 | 25,589 | $679,218,313 | $107,706,303 | $4,209iApproximate average salary by contribution assumption: employee only about $105,227 at 4% or $70,151 at 6%; with 50% employer match about $70,151 at 4% or $46,768 at 6%; with 100% employer match about $52,614 at 4% or $35,076 at 6%. |
| 2005 | 10 | 20,694 | $628,103,952 | $82,819,597 | $4,002iApproximate average salary by contribution assumption: employee only about $100,053 at 4% or $66,702 at 6%; with 50% employer match about $66,702 at 4% or $44,468 at 6%; with 100% employer match about $50,026 at 4% or $33,351 at 6%. |
| 2004 | 10 | 16,925 | $608,693,146 | $65,444,844 | $3,867iApproximate average salary by contribution assumption: employee only about $96,669 at 4% or $64,446 at 6%; with 50% employer match about $64,446 at 4% or $42,964 at 6%; with 100% employer match about $48,334 at 4% or $32,223 at 6%. |
| 2003 | 10 | 16,209 | $596,956,625 | $76,271,075 | $4,705iApproximate average salary by contribution assumption: employee only about $117,637 at 4% or $78,425 at 6%; with 50% employer match about $78,425 at 4% or $52,283 at 6%; with 100% employer match about $58,818 at 4% or $39,212 at 6%. |
| 2002 | 11 | 15,861 | $536,685,923 | $65,890,491 | $4,154iApproximate average salary by contribution assumption: employee only about $103,856 at 4% or $69,237 at 6%; with 50% employer match about $69,237 at 4% or $46,158 at 6%; with 100% employer match about $51,928 at 4% or $34,619 at 6%. |
| 2001 | 10 | 36,272 | $629,079,640 | $66,876,488 | $1,844iApproximate average salary by contribution assumption: employee only about $46,094 at 4% or $30,729 at 6%; with 50% employer match about $30,729 at 4% or $20,486 at 6%; with 100% employer match about $23,047 at 4% or $15,365 at 6%. |
| 2000 | 11 | 22,302 | $693,245,318 | $54,390,383 | $2,439iApproximate average salary by contribution assumption: employee only about $60,970 at 4% or $40,647 at 6%; with 50% employer match about $40,647 at 4% or $27,098 at 6%; with 100% employer match about $30,485 at 4% or $20,323 at 6%. |
| 1999 | 1 | 8,834 | $2,338,849 | $32,299,701 | $3,656iApproximate average salary by contribution assumption: employee only about $91,407 at 4% or $60,938 at 6%; with 50% employer match about $60,938 at 4% or $40,625 at 6%; with 100% employer match about $45,704 at 4% or $30,469 at 6%. |