Civic Intelligence

Watson Spence LLP

Plan context: Watson Spence LLP 401(K) Profit Sharing Plan

EIN 58-0552427 • Albany, GA • 30 filings • 12 plans

320 Residence AvenueAlbany, GA 31701
Current Snapshot

Latest Year

2025

2025 Participants

33

2025 Assets

$24,757,464

2025 Contributions

$652,123

Historical Graphs

Total Assets Over Time

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

$24,757,464$12,378,732$0200020142025YearValue
$24,757,464Latest year 2025

Participants Over Time

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

42210200020132025YearValue
33Latest year 2025

Company Timeline

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

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2025133$24,757,464$652,123$19,761iApproximate average salary by contribution assumption: employee only about $494,033 at 4% or $329,355 at 6%; with 50% employer match about $329,355 at 4% or $219,570 at 6%; with 100% employer match about $247,016 at 4% or $164,678 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-33$24,757,464$652,123$19,761iApproximate average salary by contribution assumption: employee only about $494,033 at 4% or $329,355 at 6%; with 50% employer match about $329,355 at 4% or $219,570 at 6%; with 100% employer match about $247,016 at 4% or $164,678 at 6%.
2024135$21,707,725$697,490$19,928iApproximate average salary by contribution assumption: employee only about $498,207 at 4% or $332,138 at 6%; with 50% employer match about $332,138 at 4% or $221,425 at 6%; with 100% employer match about $249,104 at 4% or $166,069 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-35$21,707,725$697,490$19,928iApproximate average salary by contribution assumption: employee only about $498,207 at 4% or $332,138 at 6%; with 50% employer match about $332,138 at 4% or $221,425 at 6%; with 100% employer match about $249,104 at 4% or $166,069 at 6%.
2023137$18,486,168$769,265$20,791iApproximate average salary by contribution assumption: employee only about $519,774 at 4% or $346,516 at 6%; with 50% employer match about $346,516 at 4% or $231,011 at 6%; with 100% employer match about $259,887 at 4% or $173,258 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-37$18,486,168$769,265$20,791iApproximate average salary by contribution assumption: employee only about $519,774 at 4% or $346,516 at 6%; with 50% employer match about $346,516 at 4% or $231,011 at 6%; with 100% employer match about $259,887 at 4% or $173,258 at 6%.
2022134$15,086,799$638,797$18,788iApproximate average salary by contribution assumption: employee only about $469,704 at 4% or $313,136 at 6%; with 50% employer match about $313,136 at 4% or $208,757 at 6%; with 100% employer match about $234,852 at 4% or $156,568 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-34$15,086,799$638,797$18,788iApproximate average salary by contribution assumption: employee only about $469,704 at 4% or $313,136 at 6%; with 50% employer match about $313,136 at 4% or $208,757 at 6%; with 100% employer match about $234,852 at 4% or $156,568 at 6%.
2021134$16,891,217$1,738,278$51,126iApproximate average salary by contribution assumption: employee only about $1,278,146 at 4% or $852,097 at 6%; with 50% employer match about $852,097 at 4% or $568,065 at 6%; with 100% employer match about $639,073 at 4% or $426,049 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-34$16,891,217$1,738,278$51,126iApproximate average salary by contribution assumption: employee only about $1,278,146 at 4% or $852,097 at 6%; with 50% employer match about $852,097 at 4% or $568,065 at 6%; with 100% employer match about $639,073 at 4% or $426,049 at 6%.
2020142$15,558,674$594,090$14,145iApproximate average salary by contribution assumption: employee only about $353,625 at 4% or $235,750 at 6%; with 50% employer match about $235,750 at 4% or $157,167 at 6%; with 100% employer match about $176,813 at 4% or $117,875 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-42$15,558,674$594,090$14,145iApproximate average salary by contribution assumption: employee only about $353,625 at 4% or $235,750 at 6%; with 50% employer match about $235,750 at 4% or $157,167 at 6%; with 100% employer match about $176,813 at 4% or $117,875 at 6%.
2019134$12,900,498$579,866$17,055iApproximate average salary by contribution assumption: employee only about $426,372 at 4% or $284,248 at 6%; with 50% employer match about $284,248 at 4% or $189,499 at 6%; with 100% employer match about $213,186 at 4% or $142,124 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-34$12,900,498$579,866$17,055iApproximate average salary by contribution assumption: employee only about $426,372 at 4% or $284,248 at 6%; with 50% employer match about $284,248 at 4% or $189,499 at 6%; with 100% employer match about $213,186 at 4% or $142,124 at 6%.
2018133$10,187,418$424,364$12,860iApproximate average salary by contribution assumption: employee only about $321,488 at 4% or $214,325 at 6%; with 50% employer match about $214,325 at 4% or $142,884 at 6%; with 100% employer match about $160,744 at 4% or $107,163 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-33$10,187,418$424,364$12,860iApproximate average salary by contribution assumption: employee only about $321,488 at 4% or $214,325 at 6%; with 50% employer match about $214,325 at 4% or $142,884 at 6%; with 100% employer match about $160,744 at 4% or $107,163 at 6%.
2017131$10,406,374$402,170$12,973iApproximate average salary by contribution assumption: employee only about $324,331 at 4% or $216,220 at 6%; with 50% employer match about $216,220 at 4% or $144,147 at 6%; with 100% employer match about $162,165 at 4% or $108,110 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-31$10,406,374$402,170$12,973iApproximate average salary by contribution assumption: employee only about $324,331 at 4% or $216,220 at 6%; with 50% employer match about $216,220 at 4% or $144,147 at 6%; with 100% employer match about $162,165 at 4% or $108,110 at 6%.
2016123$8,433,761$453,766$19,729iApproximate average salary by contribution assumption: employee only about $493,224 at 4% or $328,816 at 6%; with 50% employer match about $328,816 at 4% or $219,211 at 6%; with 100% employer match about $246,612 at 4% or $164,408 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-23$8,433,761$453,766$19,729iApproximate average salary by contribution assumption: employee only about $493,224 at 4% or $328,816 at 6%; with 50% employer match about $328,816 at 4% or $219,211 at 6%; with 100% employer match about $246,612 at 4% or $164,408 at 6%.
2015123$7,907,534$399,685$17,378iApproximate average salary by contribution assumption: employee only about $434,440 at 4% or $289,627 at 6%; with 50% employer match about $289,627 at 4% or $193,085 at 6%; with 100% employer match about $217,220 at 4% or $144,813 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-23$7,907,534$399,685$17,378iApproximate average salary by contribution assumption: employee only about $434,440 at 4% or $289,627 at 6%; with 50% employer match about $289,627 at 4% or $193,085 at 6%; with 100% employer match about $217,220 at 4% or $144,813 at 6%.
2014124$7,779,051$437,675$18,236iApproximate average salary by contribution assumption: employee only about $455,911 at 4% or $303,941 at 6%; with 50% employer match about $303,941 at 4% or $202,627 at 6%; with 100% employer match about $227,956 at 4% or $151,970 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-24$7,779,051$437,675$18,236iApproximate average salary by contribution assumption: employee only about $455,911 at 4% or $303,941 at 6%; with 50% employer match about $303,941 at 4% or $202,627 at 6%; with 100% employer match about $227,956 at 4% or $151,970 at 6%.
2013124$7,056,464$334,218$13,926iApproximate average salary by contribution assumption: employee only about $348,144 at 4% or $232,096 at 6%; with 50% employer match about $232,096 at 4% or $154,731 at 6%; with 100% employer match about $174,072 at 4% or $116,048 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-24$7,056,464$334,218$13,926iApproximate average salary by contribution assumption: employee only about $348,144 at 4% or $232,096 at 6%; with 50% employer match about $232,096 at 4% or $154,731 at 6%; with 100% employer match about $174,072 at 4% or $116,048 at 6%.
2012129$5,646,014$344,855$11,892iApproximate average salary by contribution assumption: employee only about $297,289 at 4% or $198,193 at 6%; with 50% employer match about $198,193 at 4% or $132,128 at 6%; with 100% employer match about $148,644 at 4% or $99,096 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-29$5,646,014$344,855$11,892iApproximate average salary by contribution assumption: employee only about $297,289 at 4% or $198,193 at 6%; with 50% employer match about $198,193 at 4% or $132,128 at 6%; with 100% employer match about $148,644 at 4% or $99,096 at 6%.
2011128$6,853,237$336,841$12,030iApproximate average salary by contribution assumption: employee only about $300,751 at 4% or $200,501 at 6%; with 50% employer match about $200,501 at 4% or $133,667 at 6%; with 100% employer match about $150,375 at 4% or $100,250 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-28$6,853,237$336,841$12,030iApproximate average salary by contribution assumption: employee only about $300,751 at 4% or $200,501 at 6%; with 50% employer match about $200,501 at 4% or $133,667 at 6%; with 100% employer match about $150,375 at 4% or $100,250 at 6%.
2010128$6,944,716$348,418$12,444iApproximate average salary by contribution assumption: employee only about $311,088 at 4% or $207,392 at 6%; with 50% employer match about $207,392 at 4% or $138,261 at 6%; with 100% employer match about $155,544 at 4% or $103,696 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-28$6,944,716$348,418$12,444iApproximate average salary by contribution assumption: employee only about $311,088 at 4% or $207,392 at 6%; with 50% employer match about $207,392 at 4% or $138,261 at 6%; with 100% employer match about $155,544 at 4% or $103,696 at 6%.
2009134$6,009,989$304,815$8,965iApproximate average salary by contribution assumption: employee only about $224,129 at 4% or $149,419 at 6%; with 50% employer match about $149,419 at 4% or $99,613 at 6%; with 100% employer match about $112,064 at 4% or $74,710 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-34$6,009,989$304,815$8,965iApproximate average salary by contribution assumption: employee only about $224,129 at 4% or $149,419 at 6%; with 50% employer match about $149,419 at 4% or $99,613 at 6%; with 100% employer match about $112,064 at 4% or $74,710 at 6%.
2008130$6,540,011$310,309$10,344iApproximate average salary by contribution assumption: employee only about $258,591 at 4% or $172,394 at 6%; with 50% employer match about $172,394 at 4% or $114,929 at 6%; with 100% employer match about $129,295 at 4% or $86,197 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-30$6,540,011$310,309$10,344iApproximate average salary by contribution assumption: employee only about $258,591 at 4% or $172,394 at 6%; with 50% employer match about $172,394 at 4% or $114,929 at 6%; with 100% employer match about $129,295 at 4% or $86,197 at 6%.
2007132$0$0-
Watson Spence LLP 401(K) Profit Sharing Plan-32---
2006131$8,512,242$352,522$11,372iApproximate average salary by contribution assumption: employee only about $284,292 at 4% or $189,528 at 6%; with 50% employer match about $189,528 at 4% or $126,352 at 6%; with 100% employer match about $142,146 at 4% or $94,764 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-31$8,512,242$352,522$11,372iApproximate average salary by contribution assumption: employee only about $284,292 at 4% or $189,528 at 6%; with 50% employer match about $189,528 at 4% or $126,352 at 6%; with 100% employer match about $142,146 at 4% or $94,764 at 6%.
2005130$7,504,113$328,339$10,945iApproximate average salary by contribution assumption: employee only about $273,616 at 4% or $182,411 at 6%; with 50% employer match about $182,411 at 4% or $121,607 at 6%; with 100% employer match about $136,808 at 4% or $91,205 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-30$7,504,113$328,339$10,945iApproximate average salary by contribution assumption: employee only about $273,616 at 4% or $182,411 at 6%; with 50% employer match about $182,411 at 4% or $121,607 at 6%; with 100% employer match about $136,808 at 4% or $91,205 at 6%.
2004130$6,964,683$306,711$10,224iApproximate average salary by contribution assumption: employee only about $255,593 at 4% or $170,395 at 6%; with 50% employer match about $170,395 at 4% or $113,597 at 6%; with 100% employer match about $127,796 at 4% or $85,198 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-30$6,964,683$306,711$10,224iApproximate average salary by contribution assumption: employee only about $255,593 at 4% or $170,395 at 6%; with 50% employer match about $170,395 at 4% or $113,597 at 6%; with 100% employer match about $127,796 at 4% or $85,198 at 6%.
2003229$6,234,140$239,190$8,248iApproximate average salary by contribution assumption: employee only about $206,198 at 4% or $137,466 at 6%; with 50% employer match about $137,466 at 4% or $91,644 at 6%; with 100% employer match about $103,099 at 4% or $68,733 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-29$6,234,140$239,190$8,248iApproximate average salary by contribution assumption: employee only about $206,198 at 4% or $137,466 at 6%; with 50% employer match about $137,466 at 4% or $91,644 at 6%; with 100% employer match about $103,099 at 4% or $68,733 at 6%.
WATSON, SPENCE, LOWE & CHAMBLESS,LLP MONEY PURCHASE PLAN-0---
2002228$3,599,002$161,791$5,778iApproximate average salary by contribution assumption: employee only about $144,456 at 4% or $96,304 at 6%; with 50% employer match about $96,304 at 4% or $64,203 at 6%; with 100% employer match about $72,228 at 4% or $48,152 at 6%.
WATSON, SPENCE, LOWE & CHAMBLESS, LLP MONEY PURCHASE PLAN-28$3,599,002$161,791$5,778iApproximate average salary by contribution assumption: employee only about $144,456 at 4% or $96,304 at 6%; with 50% employer match about $96,304 at 4% or $64,203 at 6%; with 100% employer match about $72,228 at 4% or $48,152 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-28---
200120$0$0-
WATSON, SPENCE, LOWE & CHAMBLESS MONEY PURCHASE PLAN-0---
Watson Spence LLP 401(K) Profit Sharing Plan-0---
2000228$6,280,590$107,677$3,846iApproximate average salary by contribution assumption: employee only about $96,140 at 4% or $64,093 at 6%; with 50% employer match about $64,093 at 4% or $42,729 at 6%; with 100% employer match about $48,070 at 4% or $32,047 at 6%.
WATSON, SPENCE LOWE & CHAMBLESS MONEY PURCHASE PLAN & TRUST-28$4,764,046$107,674$3,846iApproximate average salary by contribution assumption: employee only about $96,138 at 4% or $64,092 at 6%; with 50% employer match about $64,092 at 4% or $42,728 at 6%; with 100% employer match about $48,069 at 4% or $32,046 at 6%.
Watson Spence LLP 401(K) Profit Sharing Plan-0$1,516,544$3-