Civic Intelligence

He Butt Grocery Company

Plan context: H.E.B. Investment and Retirement Plan

EIN 74-0537175 • San Antonio, TX • 125 filings • 23 plans

Corporate TaxPO Box 839999San Antonio, TX 78283-3999
Current Snapshot

Latest Year

2024

2024 Participants

113,055

2024 Assets

$5,895,841,718

2024 Contributions

$516,568,496

Historical Graphs

Total Assets Over Time

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

$5,895,841,718$2,947,920,859$0199920122024YearValue
$5,895,841,718Latest year 2024

Participants Over Time

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

149,49474,7470199920122024YearValue
113,055Latest 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
20245113,055$5,895,841,718$516,568,496$4,569iApproximate average salary by contribution assumption: employee only about $114,229 at 4% or $76,153 at 6%; with 50% employer match about $76,153 at 4% or $50,769 at 6%; with 100% employer match about $57,115 at 4% or $38,076 at 6%.
H.E.B. Investment and Retirement Plan-113,055$4,333,137,977$387,455,845$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 $38,079 at 6%; with 100% employer match about $42,839 at 4% or $28,560 at 6%.
H-E-B Partner Stock Plan-108,877$1,562,703,741$129,112,651$1,186iApproximate average salary by contribution assumption: employee only about $29,646 at 4% or $19,764 at 6%; with 50% employer match about $19,764 at 4% or $13,176 at 6%; with 100% employer match about $14,823 at 4% or $9,882 at 6%.
Welfare Benefit Plan-58,871---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-17,911---
20236149,494$5,135,527,433$483,296,170$3,233iApproximate average salary by contribution assumption: employee only about $80,822 at 4% or $53,881 at 6%; with 50% employer match about $53,881 at 4% or $35,921 at 6%; with 100% employer match about $40,411 at 4% or $26,941 at 6%.
H.E.B. Investment and Retirement Plan-104,613$3,815,264,922$357,992,883$3,422iApproximate average salary by contribution assumption: employee only about $85,552 at 4% or $57,034 at 6%; with 50% employer match about $57,034 at 4% or $38,023 at 6%; with 100% employer match about $42,776 at 4% or $28,517 at 6%.
H-E-B Partner Stock Plan-103,962$1,320,262,511$125,303,287$1,205iApproximate average salary by contribution assumption: employee only about $30,132 at 4% or $20,088 at 6%; with 50% employer match about $20,088 at 4% or $13,392 at 6%; with 100% employer match about $15,066 at 4% or $10,044 at 6%.
Heb Flexible Spending Account Plan-16,982---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-149,494---
Welfare Benefit Plan-56,702---
20226144,150$4,338,140,962$434,462,856$3,014iApproximate average salary by contribution assumption: employee only about $75,349 at 4% or $50,233 at 6%; with 50% employer match about $50,233 at 4% or $33,488 at 6%; with 100% employer match about $37,675 at 4% or $25,116 at 6%.
H.E.B. Investment and Retirement Plan-97,935$3,292,723,182$323,949,722$3,308iApproximate average salary by contribution assumption: employee only about $82,695 at 4% or $55,130 at 6%; with 50% employer match about $55,130 at 4% or $36,753 at 6%; with 100% employer match about $41,348 at 4% or $27,565 at 6%.
H-E-B Partner Stock Plan-96,911$1,045,417,780$110,513,134$1,140iApproximate average salary by contribution assumption: employee only about $28,509 at 4% or $19,006 at 6%; with 50% employer match about $19,006 at 4% or $12,671 at 6%; with 100% employer match about $14,254 at 4% or $9,503 at 6%.
Heb Flexible Spending Account Plan-16,501---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Welfare Benefit Plan-53,576---
He Butt Grocery Company Work Injury Benefit Plan-144,150---
20216135,389$4,621,217,755$438,531,414$3,239iApproximate average salary by contribution assumption: employee only about $80,976 at 4% or $53,984 at 6%; with 50% employer match about $53,984 at 4% or $35,989 at 6%; with 100% employer match about $40,488 at 4% or $26,992 at 6%.
H.E.B. Investment and Retirement Plan-85,450$3,728,716,077$304,925,041$3,568iApproximate average salary by contribution assumption: employee only about $89,212 at 4% or $59,474 at 6%; with 50% employer match about $59,474 at 4% or $39,650 at 6%; with 100% employer match about $44,606 at 4% or $29,737 at 6%.
H-E-B Partner Stock Plan-71,666$892,501,678$133,606,373$1,864iApproximate average salary by contribution assumption: employee only about $46,607 at 4% or $31,072 at 6%; with 50% employer match about $31,072 at 4% or $20,714 at 6%; with 100% employer match about $23,304 at 4% or $15,536 at 6%.
Heb Flexible Spending Account Plan-17,077---
Welfare Benefit Plan-52,224---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-135,389---
20206126,957$3,804,080,732$423,455,013$3,335iApproximate average salary by contribution assumption: employee only about $83,386 at 4% or $55,590 at 6%; with 50% employer match about $55,590 at 4% or $37,060 at 6%; with 100% employer match about $41,693 at 4% or $27,795 at 6%.
H.E.B. Investment and Retirement Plan-82,615$3,128,469,591$275,081,218$3,330iApproximate average salary by contribution assumption: employee only about $83,242 at 4% or $55,495 at 6%; with 50% employer match about $55,495 at 4% or $36,996 at 6%; with 100% employer match about $41,621 at 4% or $27,747 at 6%.
H-E-B Partner Stock Plan-67,967$675,611,141$148,373,795$2,183iApproximate average salary by contribution assumption: employee only about $54,576 at 4% or $36,384 at 6%; with 50% employer match about $36,384 at 4% or $24,256 at 6%; with 100% employer match about $27,288 at 4% or $18,192 at 6%.
Heb Flexible Spending Account Plan-18,722---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Welfare Benefit Plan-49,670---
He Butt Grocery Company Work Injury Benefit Plan-126,957---
20196120,594$3,378,685,082$313,770,375$2,602iApproximate average salary by contribution assumption: employee only about $65,047 at 4% or $43,365 at 6%; with 50% employer match about $43,365 at 4% or $28,910 at 6%; with 100% employer match about $32,523 at 4% or $21,682 at 6%.
H.E.B. Investment and Retirement Plan-74,392$2,944,179,809$238,387,341$3,204iApproximate average salary by contribution assumption: employee only about $80,112 at 4% or $53,408 at 6%; with 50% employer match about $53,408 at 4% or $35,605 at 6%; with 100% employer match about $40,056 at 4% or $26,704 at 6%.
H-E-B Partner Stock Plan-62,786$434,505,273$75,383,034$1,201iApproximate average salary by contribution assumption: employee only about $30,016 at 4% or $20,011 at 6%; with 50% employer match about $20,011 at 4% or $13,340 at 6%; with 100% employer match about $15,008 at 4% or $10,005 at 6%.
Heb Flexible Spending Account Plan-16,911---
Welfare Benefit Plan-46,565---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-120,594---
20186106,506$2,740,930,607$288,534,231$2,709iApproximate average salary by contribution assumption: employee only about $67,727 at 4% or $45,151 at 6%; with 50% employer match about $45,151 at 4% or $30,101 at 6%; with 100% employer match about $33,864 at 4% or $22,576 at 6%.
H.E.B. Investment and Retirement Plan-69,577$2,422,417,211$216,271,445$3,108iApproximate average salary by contribution assumption: employee only about $77,709 at 4% or $51,806 at 6%; with 50% employer match about $51,806 at 4% or $34,538 at 6%; with 100% employer match about $38,855 at 4% or $25,903 at 6%.
H-E-B Partner Stock Plan-60,057$318,513,396$72,262,786$1,203iApproximate average salary by contribution assumption: employee only about $30,081 at 4% or $20,054 at 6%; with 50% employer match about $20,054 at 4% or $13,369 at 6%; with 100% employer match about $15,040 at 4% or $10,027 at 6%.
Welfare Benefit Plan-45,207---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-17,314---
He Butt Grocery Company Work Injury Benefit Plan-106,506---
20176100,546$2,752,713,002$251,436,776$2,501iApproximate average salary by contribution assumption: employee only about $62,518 at 4% or $41,679 at 6%; with 50% employer match about $41,679 at 4% or $27,786 at 6%; with 100% employer match about $31,259 at 4% or $20,839 at 6%.
H.E.B. Investment and Retirement Plan-62,679$2,511,881,671$192,058,545$3,064iApproximate average salary by contribution assumption: employee only about $76,604 at 4% or $51,069 at 6%; with 50% employer match about $51,069 at 4% or $34,046 at 6%; with 100% employer match about $38,302 at 4% or $25,535 at 6%.
H-E-B Partner Stock Plan-57,662$240,831,331$59,378,231$1,030iApproximate average salary by contribution assumption: employee only about $25,744 at 4% or $17,163 at 6%; with 50% employer match about $17,163 at 4% or $11,442 at 6%; with 100% employer match about $12,872 at 4% or $8,581 at 6%.
Welfare Benefit Plan-42,025---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-15,695---
He Butt Grocery Company Work Injury Benefit Plan-100,546---
2016693,779$2,449,220,521$232,407,362$2,478iApproximate average salary by contribution assumption: employee only about $61,956 at 4% or $41,304 at 6%; with 50% employer match about $41,304 at 4% or $27,536 at 6%; with 100% employer match about $30,978 at 4% or $20,652 at 6%.
H.E.B. Investment and Retirement Plan-59,829$2,272,584,493$176,137,834$2,944iApproximate average salary by contribution assumption: employee only about $73,601 at 4% or $49,067 at 6%; with 50% employer match about $49,067 at 4% or $32,711 at 6%; with 100% employer match about $36,800 at 4% or $24,534 at 6%.
H-E-B Partner Stock Plan-54,339$176,636,028$56,269,528$1,036iApproximate average salary by contribution assumption: employee only about $25,888 at 4% or $17,259 at 6%; with 50% employer match about $17,259 at 4% or $11,506 at 6%; with 100% employer match about $12,944 at 4% or $8,629 at 6%.
Welfare Benefit Plan-40,376---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-15,095---
He Butt Grocery Company Work Injury Benefit Plan-93,779---
2015690,113$2,141,634,060$266,965,945$2,963iApproximate average salary by contribution assumption: employee only about $74,064 at 4% or $49,376 at 6%; with 50% employer match about $49,376 at 4% or $32,917 at 6%; with 100% employer match about $37,032 at 4% or $24,688 at 6%.
H.E.B. Investment and Retirement Plan-56,958$2,030,678,457$156,010,342$2,739iApproximate average salary by contribution assumption: employee only about $68,476 at 4% or $45,651 at 6%; with 50% employer match about $45,651 at 4% or $30,434 at 6%; with 100% employer match about $34,238 at 4% or $22,825 at 6%.
H-E-B Partner Stock Plan-51,634$110,955,603$110,955,603$2,149iApproximate average salary by contribution assumption: employee only about $53,722 at 4% or $35,815 at 6%; with 50% employer match about $35,815 at 4% or $23,877 at 6%; with 100% employer match about $26,861 at 4% or $17,907 at 6%.
Welfare Benefit Plan-38,634---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-14,630---
He Butt Grocery Company Work Injury Benefit Plan-90,113---
2014586,777$2,072,647,005$144,030,499$1,660iApproximate average salary by contribution assumption: employee only about $41,494 at 4% or $27,663 at 6%; with 50% employer match about $27,663 at 4% or $18,442 at 6%; with 100% employer match about $20,747 at 4% or $13,831 at 6%.
H.E.B. Investment and Retirement Plan-55,863$2,072,647,005$144,030,499$2,578iApproximate average salary by contribution assumption: employee only about $64,457 at 4% or $42,971 at 6%; with 50% employer match about $42,971 at 4% or $28,648 at 6%; with 100% employer match about $32,229 at 4% or $21,486 at 6%.
Welfare Benefit Plan-37,955---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
Heb Flexible Spending Account Plan-14,617---
He Butt Grocery Company Work Injury Benefit Plan-86,777---
2013582,870$2,062,190,773$131,816,526$1,591iApproximate average salary by contribution assumption: employee only about $39,766 at 4% or $26,511 at 6%; with 50% employer match about $26,511 at 4% or $17,674 at 6%; with 100% employer match about $19,883 at 4% or $13,255 at 6%.
H.E.B. Investment and Retirement Plan-58,893$2,062,190,773$131,816,526$2,238iApproximate average salary by contribution assumption: employee only about $55,956 at 4% or $37,304 at 6%; with 50% employer match about $37,304 at 4% or $24,869 at 6%; with 100% employer match about $27,978 at 4% or $18,652 at 6%.
Heb Flexible Spending Account Plan-14,007---
Welfare Benefit Plan-35,622---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-82,870---
2012579,554$1,829,674,422$122,131,564$1,535iApproximate average salary by contribution assumption: employee only about $38,380 at 4% or $25,587 at 6%; with 50% employer match about $25,587 at 4% or $17,058 at 6%; with 100% employer match about $19,190 at 4% or $12,793 at 6%.
H.E.B. Investment and Retirement Plan-51,817$1,829,674,422$122,131,564$2,357iApproximate average salary by contribution assumption: employee only about $58,924 at 4% or $39,283 at 6%; with 50% employer match about $39,283 at 4% or $26,189 at 6%; with 100% employer match about $29,462 at 4% or $19,641 at 6%.
Heb Flexible Spending Account Plan-13,511---
Welfare Benefit Plan-35,670---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-79,554---
2011576,547$1,729,256,165$112,467,560$1,469iApproximate average salary by contribution assumption: employee only about $36,732 at 4% or $24,488 at 6%; with 50% employer match about $24,488 at 4% or $16,325 at 6%; with 100% employer match about $18,366 at 4% or $12,244 at 6%.
H.E.B. Investment and Retirement Plan-50,407$1,729,256,165$112,467,560$2,231iApproximate average salary by contribution assumption: employee only about $55,780 at 4% or $37,186 at 6%; with 50% employer match about $37,186 at 4% or $24,791 at 6%; with 100% employer match about $27,890 at 4% or $18,593 at 6%.
Heb Flexible Spending Account Plan-10,962---
Welfare Benefit Plan-36,365---
H.E. Butt Grocery Company Retiree Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-76,547---
2010475,832$1,609,486,512$104,334,024$1,376iApproximate average salary by contribution assumption: employee only about $34,396 at 4% or $22,931 at 6%; with 50% employer match about $22,931 at 4% or $15,287 at 6%; with 100% employer match about $17,198 at 4% or $11,465 at 6%.
H.E.B. Investment and Retirement Plan-48,000$1,609,486,512$104,334,024$2,174iApproximate average salary by contribution assumption: employee only about $54,341 at 4% or $36,227 at 6%; with 50% employer match about $36,227 at 4% or $24,151 at 6%; with 100% employer match about $27,170 at 4% or $18,114 at 6%.
Heb Flexible Spending Account Plan-10,986---
Welfare Benefit Plan-35,636---
He Butt Grocery Company Work Injury Benefit Plan-75,832---
2009672,850$1,486,913,733$100,360,850$1,378iApproximate average salary by contribution assumption: employee only about $34,441 at 4% or $22,961 at 6%; with 50% employer match about $22,961 at 4% or $15,307 at 6%; with 100% employer match about $17,220 at 4% or $11,480 at 6%.
H.E.B. Investment and Retirement Plan-47,027$1,486,913,733$100,360,850$2,134iApproximate average salary by contribution assumption: employee only about $53,353 at 4% or $35,569 at 6%; with 50% employer match about $35,569 at 4% or $23,712 at 6%; with 100% employer match about $26,676 at 4% or $17,784 at 6%.
Heb Flexible Spending Account Plan-12,366---
Welfare Benefit Plan-34,694---
Welfare Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-----
He Butt Grocery Company Work Injury Benefit Plan-72,850---
2008242,813$1,287,705,181$97,914,394$2,287iApproximate average salary by contribution assumption: employee only about $57,176 at 4% or $38,117 at 6%; with 50% employer match about $38,117 at 4% or $25,411 at 6%; with 100% employer match about $28,588 at 4% or $19,059 at 6%.
H.E.B. Investment and Retirement Plan-42,813$1,287,705,181$97,914,394$2,287iApproximate average salary by contribution assumption: employee only about $57,176 at 4% or $38,117 at 6%; with 50% employer match about $38,117 at 4% or $25,411 at 6%; with 100% employer match about $28,588 at 4% or $19,059 at 6%.
Heb Flexible Spending Account Plan-9,095---
2007471,550$1,483,540,975$92,434,693$1,292iApproximate average salary by contribution assumption: employee only about $32,297 at 4% or $21,531 at 6%; with 50% employer match about $21,531 at 4% or $14,354 at 6%; with 100% employer match about $16,149 at 4% or $10,766 at 6%.
H.E.B. Investment and Retirement Plan-40,178$1,483,540,975$92,434,693$2,301iApproximate average salary by contribution assumption: employee only about $57,516 at 4% or $38,344 at 6%; with 50% employer match about $38,344 at 4% or $25,563 at 6%; with 100% employer match about $28,758 at 4% or $19,172 at 6%.
Heb Flexible Spending Account Plan-8,250---
He Butt Grocery Company Work Injury Benefit Plan-71,550---
Welfare Benefit Plan-33,191---
2006468,560$1,350,624,366$87,287,727$1,273iApproximate average salary by contribution assumption: employee only about $31,829 at 4% or $21,219 at 6%; with 50% employer match about $21,219 at 4% or $14,146 at 6%; with 100% employer match about $15,914 at 4% or $10,610 at 6%.
H.E.B. Investment and Retirement Plan-37,574$1,350,624,366$87,287,727$2,323iApproximate average salary by contribution assumption: employee only about $58,077 at 4% or $38,718 at 6%; with 50% employer match about $38,718 at 4% or $25,812 at 6%; with 100% employer match about $29,039 at 4% or $19,359 at 6%.
He Butt Grocery Company Work Injury Benefit Plan-68,560---
Welfare Benefit Plan-31,851---
Heb Flexible Spending Account Plan-6,866---
2005464,462$1,177,169,813$81,297,995$1,261iApproximate average salary by contribution assumption: employee only about $31,529 at 4% or $21,020 at 6%; with 50% employer match about $21,020 at 4% or $14,013 at 6%; with 100% employer match about $15,765 at 4% or $10,510 at 6%.
H.E.B. Investment and Retirement Plan-37,005$1,177,169,813$81,297,995$2,197iApproximate average salary by contribution assumption: employee only about $54,924 at 4% or $36,616 at 6%; with 50% employer match about $36,616 at 4% or $24,411 at 6%; with 100% employer match about $27,462 at 4% or $18,308 at 6%.
Heb Flexible Spending Account Plan-7,243---
Welfare Benefit Plan-32,013---
He Butt Grocery Company Work Injury Benefit Plan-64,462---
2004457,831$1,051,306,088$76,631,009$1,325iApproximate average salary by contribution assumption: employee only about $33,127 at 4% or $22,085 at 6%; with 50% employer match about $22,085 at 4% or $14,723 at 6%; with 100% employer match about $16,564 at 4% or $11,042 at 6%.
H.E.B. Investment and Retirement Plan-36,550$1,051,306,088$76,631,009$2,097iApproximate average salary by contribution assumption: employee only about $52,415 at 4% or $34,943 at 6%; with 50% employer match about $34,943 at 4% or $23,296 at 6%; with 100% employer match about $26,208 at 4% or $17,472 at 6%.
Heb Flexible Spending Account Plan-9,107---
Welfare Benefit Plan-29,863---
He Butt Grocery Company Work Injury Benefit Plan-57,831---
2003455,773$943,524,735$256,721,564$4,603iApproximate average salary by contribution assumption: employee only about $115,074 at 4% or $76,716 at 6%; with 50% employer match about $76,716 at 4% or $51,144 at 6%; with 100% employer match about $57,537 at 4% or $38,358 at 6%.
H.E.B. Investment and Retirement Plan-35,757$943,524,735$70,521,564$1,972iApproximate average salary by contribution assumption: employee only about $49,306 at 4% or $32,871 at 6%; with 50% employer match about $32,871 at 4% or $21,914 at 6%; with 100% employer match about $24,653 at 4% or $16,435 at 6%.
He Butt Grocery Company Work Injury Benefit Plan-55,773---
Heb Flexible Spending Account Plan-1,447---
Welfare Benefit Plan-30,436-$186,200,000$6,118iApproximate average salary by contribution assumption: employee only about $152,944 at 4% or $101,963 at 6%; with 50% employer match about $101,963 at 4% or $67,975 at 6%; with 100% employer match about $76,472 at 4% or $50,981 at 6%.
2002455,073$799,577,926$65,305,538$1,186iApproximate average salary by contribution assumption: employee only about $29,645 at 4% or $19,763 at 6%; with 50% employer match about $19,763 at 4% or $13,176 at 6%; with 100% employer match about $14,822 at 4% or $9,882 at 6%.
H.E.B. Investment and Retirement Plan-33,329$799,577,926$65,305,538$1,959iApproximate average salary by contribution assumption: employee only about $48,986 at 4% or $32,657 at 6%; with 50% employer match about $32,657 at 4% or $21,771 at 6%; with 100% employer match about $24,493 at 4% or $16,329 at 6%.
He Butt Grocery Company Work Injury Benefit Plan-55,073---
Welfare Benefit Plan-28,896---
Heb Flexible Spending Account Plan-1,197---
2001455,204$839,457,310$232,661,625$4,215iApproximate average salary by contribution assumption: employee only about $105,364 at 4% or $70,243 at 6%; with 50% employer match about $70,243 at 4% or $46,829 at 6%; with 100% employer match about $52,682 at 4% or $35,121 at 6%.
H.E.B. Investment and Retirement Plan-31,670$815,618,615$58,627,370$1,851iApproximate average salary by contribution assumption: employee only about $46,280 at 4% or $30,853 at 6%; with 50% employer match about $30,853 at 4% or $20,569 at 6%; with 100% employer match about $23,140 at 4% or $15,427 at 6%.
Welfare Benefit Plan-29,217$23,838,695$174,034,255$5,957iApproximate average salary by contribution assumption: employee only about $148,915 at 4% or $99,277 at 6%; with 50% employer match about $99,277 at 4% or $66,185 at 6%; with 100% employer match about $74,458 at 4% or $49,638 at 6%.
Heb Flexible Spending Account Plan-1,060---
He Butt Grocery Company Work Injury Benefit Plan-55,204---
2000328,798$837,086,219$53,986,443$1,875iApproximate average salary by contribution assumption: employee only about $46,866 at 4% or $31,244 at 6%; with 50% employer match about $31,244 at 4% or $20,830 at 6%; with 100% employer match about $23,433 at 4% or $15,622 at 6%.
Heb Flexible Spending Account Plan-1,375---
1999330,419$832,652,457$181,325,475$5,961iApproximate average salary by contribution assumption: employee only about $149,023 at 4% or $99,349 at 6%; with 50% employer match about $99,349 at 4% or $66,233 at 6%; with 100% employer match about $74,512 at 4% or $49,674 at 6%.