Civic Intelligence

Environmental Consulting & Technology Inc.

Plan context: The Ect 401K Tax Deferred Savings Plan

EIN 59-2921038 • Gainesville, FL • 67 filings • 8 plans

3701 NW 98th StGainesville, FL 32606-5004
Current Snapshot

Latest Year

2024

2024 Participants

222

2024 Assets

$55,507,275

2024 Contributions

$3,505,101

Historical Graphs

Total Assets Over Time

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

$56,187,329$28,093,665$0199920122024YearValue
$55,507,275Latest year 2024

Participants Over Time

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

2221110199920122024YearValue
222Latest 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
20243222$55,507,275$3,505,101$15,789iApproximate average salary by contribution assumption: employee only about $394,719 at 4% or $263,146 at 6%; with 50% employer match about $263,146 at 4% or $175,430 at 6%; with 100% employer match about $197,359 at 4% or $131,573 at 6%.
The Ect 401K Tax Deferred Savings Plan-222$31,361,405$2,645,101$11,915iApproximate average salary by contribution assumption: employee only about $297,872 at 4% or $198,581 at 6%; with 50% employer match about $198,581 at 4% or $132,387 at 6%; with 100% employer match about $148,936 at 4% or $99,291 at 6%.
Ect Employee Stock Ownership Plan-177$24,145,870$860,000$4,859iApproximate average salary by contribution assumption: employee only about $121,469 at 4% or $80,979 at 6%; with 50% employer match about $80,979 at 4% or $53,986 at 6%; with 100% employer match about $60,734 at 4% or $40,490 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-130---
20233211$52,042,259$3,488,002$16,531iApproximate average salary by contribution assumption: employee only about $413,270 at 4% or $275,514 at 6%; with 50% employer match about $275,514 at 4% or $183,676 at 6%; with 100% employer match about $206,635 at 4% or $137,757 at 6%.
The Ect 401K Tax Deferred Savings Plan-211$28,465,804$2,287,992$10,844iApproximate average salary by contribution assumption: employee only about $271,089 at 4% or $180,726 at 6%; with 50% employer match about $180,726 at 4% or $120,484 at 6%; with 100% employer match about $135,545 at 4% or $90,363 at 6%.
Ect Employee Stock Ownership Plan-148$23,576,455$1,200,010$8,108iApproximate average salary by contribution assumption: employee only about $202,704 at 4% or $135,136 at 6%; with 50% employer match about $135,136 at 4% or $90,091 at 6%; with 100% employer match about $101,352 at 4% or $67,568 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-130---
20223195$49,029,465$3,068,294$15,735iApproximate average salary by contribution assumption: employee only about $393,371 at 4% or $262,247 at 6%; with 50% employer match about $262,247 at 4% or $174,832 at 6%; with 100% employer match about $196,686 at 4% or $131,124 at 6%.
The Ect 401K Tax Deferred Savings Plan-185$25,902,827$1,968,293$10,639iApproximate average salary by contribution assumption: employee only about $265,986 at 4% or $177,324 at 6%; with 50% employer match about $177,324 at 4% or $118,216 at 6%; with 100% employer match about $132,993 at 4% or $88,662 at 6%.
Ect Employee Stock Ownership Plan-139$23,126,638$1,100,001$7,914iApproximate average salary by contribution assumption: employee only about $197,842 at 4% or $131,895 at 6%; with 50% employer match about $131,895 at 4% or $87,930 at 6%; with 100% employer match about $98,921 at 4% or $65,947 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-195---
20213191$56,187,329$3,857,915$20,199iApproximate average salary by contribution assumption: employee only about $504,963 at 4% or $336,642 at 6%; with 50% employer match about $336,642 at 4% or $224,428 at 6%; with 100% employer match about $252,481 at 4% or $168,321 at 6%.
The Ect 401K Tax Deferred Savings Plan-183$31,335,474$1,732,915$9,469iApproximate average salary by contribution assumption: employee only about $236,737 at 4% or $157,825 at 6%; with 50% employer match about $157,825 at 4% or $105,216 at 6%; with 100% employer match about $118,369 at 4% or $78,912 at 6%.
Ect Employee Stock Ownership Plan-133$24,851,855$2,125,000$15,977iApproximate average salary by contribution assumption: employee only about $399,436 at 4% or $266,291 at 6%; with 50% employer match about $266,291 at 4% or $177,527 at 6%; with 100% employer match about $199,718 at 4% or $133,145 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-191---
20203191$51,809,867$3,456,263$18,096iApproximate average salary by contribution assumption: employee only about $452,390 at 4% or $301,594 at 6%; with 50% employer match about $301,594 at 4% or $201,062 at 6%; with 100% employer match about $226,195 at 4% or $150,797 at 6%.
The Ect 401K Tax Deferred Savings Plan-188$28,110,768$1,701,633$9,051iApproximate average salary by contribution assumption: employee only about $226,281 at 4% or $150,854 at 6%; with 50% employer match about $150,854 at 4% or $100,569 at 6%; with 100% employer match about $113,140 at 4% or $75,427 at 6%.
Ect Employee Stock Ownership Plan-139$23,699,099$1,754,630$12,623iApproximate average salary by contribution assumption: employee only about $315,581 at 4% or $210,387 at 6%; with 50% employer match about $210,387 at 4% or $140,258 at 6%; with 100% employer match about $157,790 at 4% or $105,194 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-191---
20193179$48,060,985$3,544,659$19,803iApproximate average salary by contribution assumption: employee only about $495,064 at 4% or $330,043 at 6%; with 50% employer match about $330,043 at 4% or $220,028 at 6%; with 100% employer match about $247,532 at 4% or $165,021 at 6%.
The Ect 401K Tax Deferred Savings Plan-179$26,661,108$1,944,659$10,864iApproximate average salary by contribution assumption: employee only about $271,600 at 4% or $181,067 at 6%; with 50% employer match about $181,067 at 4% or $120,711 at 6%; with 100% employer match about $135,800 at 4% or $90,533 at 6%.
Ect Employee Stock Ownership Plan-131$21,399,877$1,600,000$12,214iApproximate average salary by contribution assumption: employee only about $305,344 at 4% or $203,562 at 6%; with 50% employer match about $203,562 at 4% or $135,708 at 6%; with 100% employer match about $152,672 at 4% or $101,781 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-152---
20183165$39,973,856$2,733,905$16,569iApproximate average salary by contribution assumption: employee only about $414,228 at 4% or $276,152 at 6%; with 50% employer match about $276,152 at 4% or $184,101 at 6%; with 100% employer match about $207,114 at 4% or $138,076 at 6%.
The Ect 401K Tax Deferred Savings Plan-165$22,056,714$1,433,905$8,690iApproximate average salary by contribution assumption: employee only about $217,258 at 4% or $144,839 at 6%; with 50% employer match about $144,839 at 4% or $96,559 at 6%; with 100% employer match about $108,629 at 4% or $72,419 at 6%.
Ect Employee Stock Ownership Plan-133$17,917,142$1,300,000$9,774iApproximate average salary by contribution assumption: employee only about $244,361 at 4% or $162,907 at 6%; with 50% employer match about $162,907 at 4% or $108,605 at 6%; with 100% employer match about $122,180 at 4% or $81,454 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-145---
20173168$42,567,136$2,962,230$17,632iApproximate average salary by contribution assumption: employee only about $440,808 at 4% or $293,872 at 6%; with 50% employer match about $293,872 at 4% or $195,915 at 6%; with 100% employer match about $220,404 at 4% or $146,936 at 6%.
The Ect 401K Tax Deferred Savings Plan-168$26,624,926$1,962,230$11,680iApproximate average salary by contribution assumption: employee only about $291,999 at 4% or $194,666 at 6%; with 50% employer match about $194,666 at 4% or $129,777 at 6%; with 100% employer match about $145,999 at 4% or $97,333 at 6%.
Ect Employee Stock Ownership Plan-138$15,942,210$1,000,000$7,246iApproximate average salary by contribution assumption: employee only about $181,159 at 4% or $120,773 at 6%; with 50% employer match about $120,773 at 4% or $80,515 at 6%; with 100% employer match about $90,580 at 4% or $60,386 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-123---
20163168$37,033,574$2,349,999$13,988iApproximate average salary by contribution assumption: employee only about $349,702 at 4% or $233,135 at 6%; with 50% employer match about $233,135 at 4% or $155,423 at 6%; with 100% employer match about $174,851 at 4% or $116,567 at 6%.
The Ect 401K Tax Deferred Savings Plan-168$21,602,647$1,349,999$8,036iApproximate average salary by contribution assumption: employee only about $200,893 at 4% or $133,928 at 6%; with 50% employer match about $133,928 at 4% or $89,286 at 6%; with 100% employer match about $100,446 at 4% or $66,964 at 6%.
Ect Employee Stock Ownership Plan-136$15,430,927$1,000,000$7,353iApproximate average salary by contribution assumption: employee only about $183,824 at 4% or $122,549 at 6%; with 50% employer match about $122,549 at 4% or $81,699 at 6%; with 100% employer match about $91,912 at 4% or $61,275 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-124---
20153153$33,475,289$3,106,180$20,302iApproximate average salary by contribution assumption: employee only about $507,546 at 4% or $338,364 at 6%; with 50% employer match about $338,364 at 4% or $225,576 at 6%; with 100% employer match about $253,773 at 4% or $169,182 at 6%.
The Ect 401K Tax Deferred Savings Plan-153$20,164,028$2,006,180$13,112iApproximate average salary by contribution assumption: employee only about $327,807 at 4% or $218,538 at 6%; with 50% employer match about $218,538 at 4% or $145,692 at 6%; with 100% employer match about $163,904 at 4% or $109,269 at 6%.
Ect Employee Stock Ownership Plan-132$13,311,261$1,100,000$8,333iApproximate average salary by contribution assumption: employee only about $208,333 at 4% or $138,889 at 6%; with 50% employer match about $138,889 at 4% or $92,593 at 6%; with 100% employer match about $104,167 at 4% or $69,444 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-115---
20143165$36,112,175$2,204,261$13,359iApproximate average salary by contribution assumption: employee only about $333,979 at 4% or $222,653 at 6%; with 50% employer match about $222,653 at 4% or $148,435 at 6%; with 100% employer match about $166,989 at 4% or $111,326 at 6%.
The Ect 401K Tax Deferred Savings Plan-165$20,973,774$1,304,261$7,905iApproximate average salary by contribution assumption: employee only about $197,615 at 4% or $131,744 at 6%; with 50% employer match about $131,744 at 4% or $87,829 at 6%; with 100% employer match about $98,808 at 4% or $65,872 at 6%.
Ect Employee Stock Ownership Plan-142$15,138,401$900,000$6,338iApproximate average salary by contribution assumption: employee only about $158,451 at 4% or $105,634 at 6%; with 50% employer match about $105,634 at 4% or $70,423 at 6%; with 100% employer match about $79,225 at 4% or $52,817 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-118---
20133184$36,666,186$1,813,472$9,856iApproximate average salary by contribution assumption: employee only about $246,396 at 4% or $164,264 at 6%; with 50% employer match about $164,264 at 4% or $109,509 at 6%; with 100% employer match about $123,198 at 4% or $82,132 at 6%.
The Ect 401K Tax Deferred Savings Plan-184$20,863,219$1,263,472$6,867iApproximate average salary by contribution assumption: employee only about $171,667 at 4% or $114,445 at 6%; with 50% employer match about $114,445 at 4% or $76,297 at 6%; with 100% employer match about $85,834 at 4% or $57,222 at 6%.
Ect Employee Stock Ownership Plan-164$15,802,967$550,000$3,354iApproximate average salary by contribution assumption: employee only about $83,841 at 4% or $55,894 at 6%; with 50% employer match about $55,894 at 4% or $37,263 at 6%; with 100% employer match about $41,921 at 4% or $27,947 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-175---
20123199$30,363,633$1,649,309$8,288iApproximate average salary by contribution assumption: employee only about $207,200 at 4% or $138,133 at 6%; with 50% employer match about $138,133 at 4% or $92,089 at 6%; with 100% employer match about $103,600 at 4% or $69,067 at 6%.
The Ect 401K Tax Deferred Savings Plan-199$18,542,730$1,289,309$6,479iApproximate average salary by contribution assumption: employee only about $161,973 at 4% or $107,982 at 6%; with 50% employer match about $107,982 at 4% or $71,988 at 6%; with 100% employer match about $80,987 at 4% or $53,991 at 6%.
Ect Employee Stock Ownership Plan-177$11,820,903$360,000$2,034iApproximate average salary by contribution assumption: employee only about $50,847 at 4% or $33,898 at 6%; with 50% employer match about $33,898 at 4% or $22,599 at 6%; with 100% employer match about $25,424 at 4% or $16,949 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-183---
20113204$27,783,357$2,195,590$10,763iApproximate average salary by contribution assumption: employee only about $269,067 at 4% or $179,378 at 6%; with 50% employer match about $179,378 at 4% or $119,586 at 6%; with 100% employer match about $134,534 at 4% or $89,689 at 6%.
The Ect 401K Tax Deferred Savings Plan-204$16,060,279$1,445,590$7,086iApproximate average salary by contribution assumption: employee only about $177,156 at 4% or $118,104 at 6%; with 50% employer match about $118,104 at 4% or $78,736 at 6%; with 100% employer match about $88,578 at 4% or $59,052 at 6%.
Ect Employee Stock Ownership Plan-185$11,723,078$750,000$4,054iApproximate average salary by contribution assumption: employee only about $101,351 at 4% or $67,568 at 6%; with 50% employer match about $67,568 at 4% or $45,045 at 6%; with 100% employer match about $50,676 at 4% or $33,784 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-192---
20103213$26,926,770$2,523,484$11,847iApproximate average salary by contribution assumption: employee only about $296,184 at 4% or $197,456 at 6%; with 50% employer match about $197,456 at 4% or $131,637 at 6%; with 100% employer match about $148,092 at 4% or $98,728 at 6%.
The Ect 401K Tax Deferred Savings Plan-213$15,729,600$1,673,484$7,857iApproximate average salary by contribution assumption: employee only about $196,418 at 4% or $130,946 at 6%; with 50% employer match about $130,946 at 4% or $87,297 at 6%; with 100% employer match about $98,209 at 4% or $65,473 at 6%.
Ect Employee Stock Ownership Plan-190$11,197,170$850,000$4,474iApproximate average salary by contribution assumption: employee only about $111,842 at 4% or $74,561 at 6%; with 50% employer match about $74,561 at 4% or $49,708 at 6%; with 100% employer match about $55,921 at 4% or $37,281 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-200---
20093210$23,287,963$2,206,394$10,507iApproximate average salary by contribution assumption: employee only about $262,666 at 4% or $175,111 at 6%; with 50% employer match about $175,111 at 4% or $116,740 at 6%; with 100% employer match about $131,333 at 4% or $87,555 at 6%.
The Ect 401K Tax Deferred Savings Plan-210$12,487,995$1,306,394$6,221iApproximate average salary by contribution assumption: employee only about $155,523 at 4% or $103,682 at 6%; with 50% employer match about $103,682 at 4% or $69,121 at 6%; with 100% employer match about $77,762 at 4% or $51,841 at 6%.
Ect Employee Stock Ownership Plan-183$10,799,968$900,000$4,918iApproximate average salary by contribution assumption: employee only about $122,951 at 4% or $81,967 at 6%; with 50% employer match about $81,967 at 4% or $54,645 at 6%; with 100% employer match about $61,475 at 4% or $40,984 at 6%.
Environmental Consulting & Technology Inc Welfare Benefits Plan-186---
20082215$20,204,785$2,138,280$9,945iApproximate average salary by contribution assumption: employee only about $248,637 at 4% or $165,758 at 6%; with 50% employer match about $165,758 at 4% or $110,505 at 6%; with 100% employer match about $124,319 at 4% or $82,879 at 6%.
Ect Employee Stock Ownership Plan-170$11,157,731$900,000$5,294iApproximate average salary by contribution assumption: employee only about $132,353 at 4% or $88,235 at 6%; with 50% employer match about $88,235 at 4% or $58,824 at 6%; with 100% employer match about $66,176 at 4% or $44,118 at 6%.
The Ect 401K Tax Deferred Savings Plan-215$9,047,054$1,238,280$5,759iApproximate average salary by contribution assumption: employee only about $143,986 at 4% or $95,991 at 6%; with 50% employer match about $95,991 at 4% or $63,994 at 6%; with 100% employer match about $71,993 at 4% or $47,995 at 6%.
20072201$23,445,120$2,239,975$11,144iApproximate average salary by contribution assumption: employee only about $278,604 at 4% or $185,736 at 6%; with 50% employer match about $185,736 at 4% or $123,824 at 6%; with 100% employer match about $139,302 at 4% or $92,868 at 6%.
The Ect 401K Tax Deferred Savings Plan-201$12,030,144$1,239,975$6,169iApproximate average salary by contribution assumption: employee only about $154,226 at 4% or $102,817 at 6%; with 50% employer match about $102,817 at 4% or $68,545 at 6%; with 100% employer match about $77,113 at 4% or $51,409 at 6%.
Ect Employee Stock Ownership Plan-159$11,414,976$1,000,000$6,289iApproximate average salary by contribution assumption: employee only about $157,233 at 4% or $104,822 at 6%; with 50% employer match about $104,822 at 4% or $69,881 at 6%; with 100% employer match about $78,616 at 4% or $52,411 at 6%.
20062194$18,397,904$1,932,200$9,960iApproximate average salary by contribution assumption: employee only about $248,995 at 4% or $165,997 at 6%; with 50% employer match about $165,997 at 4% or $110,664 at 6%; with 100% employer match about $124,497 at 4% or $82,998 at 6%.
The Ect 401K Tax Deferred Savings Plan-194$10,390,184$1,032,200$5,321iApproximate average salary by contribution assumption: employee only about $133,015 at 4% or $88,677 at 6%; with 50% employer match about $88,677 at 4% or $59,118 at 6%; with 100% employer match about $66,508 at 4% or $44,338 at 6%.
Ect Employee Stock Ownership Plan-163$8,007,720$900,000$5,521iApproximate average salary by contribution assumption: employee only about $138,037 at 4% or $92,025 at 6%; with 50% employer match about $92,025 at 4% or $61,350 at 6%; with 100% employer match about $69,018 at 4% or $46,012 at 6%.
20052186$15,018,043$1,915,076$10,296iApproximate average salary by contribution assumption: employee only about $257,403 at 4% or $171,602 at 6%; with 50% employer match about $171,602 at 4% or $114,401 at 6%; with 100% employer match about $128,701 at 4% or $85,801 at 6%.
The Ect 401K Tax Deferred Savings Plan-186$8,266,333$1,015,076$5,457iApproximate average salary by contribution assumption: employee only about $136,435 at 4% or $90,957 at 6%; with 50% employer match about $90,957 at 4% or $60,638 at 6%; with 100% employer match about $68,217 at 4% or $45,478 at 6%.
Ect Employee Stock Ownership Plan-142$6,751,710$900,000$6,338iApproximate average salary by contribution assumption: employee only about $158,451 at 4% or $105,634 at 6%; with 50% employer match about $105,634 at 4% or $70,423 at 6%; with 100% employer match about $79,225 at 4% or $52,817 at 6%.
20042161$7,300,063$864,259$5,368iApproximate average salary by contribution assumption: employee only about $134,202 at 4% or $89,468 at 6%; with 50% employer match about $89,468 at 4% or $59,645 at 6%; with 100% employer match about $67,101 at 4% or $44,734 at 6%.
The Ect 401K Tax Deferred Savings Plan-161$7,300,063$864,259$5,368iApproximate average salary by contribution assumption: employee only about $134,202 at 4% or $89,468 at 6%; with 50% employer match about $89,468 at 4% or $59,645 at 6%; with 100% employer match about $67,101 at 4% or $44,734 at 6%.
Ect Employee Stock Ownership Plan-136---
20032164$11,085,771$1,288,049$7,854iApproximate average salary by contribution assumption: employee only about $196,349 at 4% or $130,899 at 6%; with 50% employer match about $130,899 at 4% or $87,266 at 6%; with 100% employer match about $98,174 at 4% or $65,450 at 6%.
The Ect 401K Tax Deferred Savings Plan-164$5,977,555$788,049$4,805iApproximate average salary by contribution assumption: employee only about $120,129 at 4% or $80,086 at 6%; with 50% employer match about $80,086 at 4% or $53,391 at 6%; with 100% employer match about $60,065 at 4% or $40,043 at 6%.
Ect Employee Stock Ownership Plan-146$5,108,216$500,000$3,425iApproximate average salary by contribution assumption: employee only about $85,616 at 4% or $57,078 at 6%; with 50% employer match about $57,078 at 4% or $38,052 at 6%; with 100% employer match about $42,808 at 4% or $28,539 at 6%.
20022173$9,363,431$1,255,489$7,257iApproximate average salary by contribution assumption: employee only about $181,429 at 4% or $120,953 at 6%; with 50% employer match about $120,953 at 4% or $80,635 at 6%; with 100% employer match about $90,715 at 4% or $60,476 at 6%.
Ect Employee Stock Ownership Plan-136$5,049,061$500,000$3,676iApproximate average salary by contribution assumption: employee only about $91,912 at 4% or $61,275 at 6%; with 50% employer match about $61,275 at 4% or $40,850 at 6%; with 100% employer match about $45,956 at 4% or $30,637 at 6%.
The Ect 401K Tax Deferred Savings Plan-173$4,314,370$755,489$4,367iApproximate average salary by contribution assumption: employee only about $109,175 at 4% or $72,783 at 6%; with 50% employer match about $72,783 at 4% or $48,522 at 6%; with 100% employer match about $54,587 at 4% or $36,392 at 6%.
20012162$4,469,977$722,358$4,459iApproximate average salary by contribution assumption: employee only about $111,475 at 4% or $74,317 at 6%; with 50% employer match about $74,317 at 4% or $49,544 at 6%; with 100% employer match about $55,738 at 4% or $37,158 at 6%.
The Ect 401K Tax Deferred Savings Plan-162$4,469,977$722,358$4,459iApproximate average salary by contribution assumption: employee only about $111,475 at 4% or $74,317 at 6%; with 50% employer match about $74,317 at 4% or $49,544 at 6%; with 100% employer match about $55,738 at 4% or $37,158 at 6%.
Ect Employee Stock Ownership Plan-123---
20002147$1,377,060$850,000$5,782iApproximate average salary by contribution assumption: employee only about $144,558 at 4% or $96,372 at 6%; with 50% employer match about $96,372 at 4% or $64,248 at 6%; with 100% employer match about $72,279 at 4% or $48,186 at 6%.
Ect Employee Stock Ownership Plan-94$1,377,060$850,000$9,043iApproximate average salary by contribution assumption: employee only about $226,064 at 4% or $150,709 at 6%; with 50% employer match about $150,709 at 4% or $100,473 at 6%; with 100% employer match about $113,032 at 4% or $75,355 at 6%.
The Ect 401K Tax Deferred Savings Plan-147---
19991121$4,189,612$477,486$3,946iApproximate average salary by contribution assumption: employee only about $98,654 at 4% or $65,769 at 6%; with 50% employer match about $65,769 at 4% or $43,846 at 6%; with 100% employer match about $49,327 at 4% or $32,885 at 6%.
The Ect 401K Tax Deferred Savings Plan-121$4,189,612$477,486$3,946iApproximate average salary by contribution assumption: employee only about $98,654 at 4% or $65,769 at 6%; with 50% employer match about $65,769 at 4% or $43,846 at 6%; with 100% employer match about $49,327 at 4% or $32,885 at 6%.