Civic Intelligence

WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP

Plan context: WITHROW AND BAGGETT, LLP 401K PLAN

EIN 77-0290497 • Modesto, CA • 17 filings • 4 plans

920 15th StModesto, CA 95354
Current Snapshot

Latest Year

2025

2025 Participants

8

2025 Assets

$489,874

2025 Contributions

$33,690

Historical Graphs

Total Assets Over Time

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

$489,874$244,937$0200920172025YearValue
$489,874Latest year 2025

Participants Over Time

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

950200920172025YearValue
8Latest 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
202518$489,874$33,690$4,211iApproximate average salary by contribution assumption: employee only about $105,281 at 4% or $70,188 at 6%; with 50% employer match about $70,188 at 4% or $46,792 at 6%; with 100% employer match about $52,641 at 4% or $35,094 at 6%.
WITHROW AND BAGGETT, LLP 401K PLAN-8$489,874$33,690$4,211iApproximate average salary by contribution assumption: employee only about $105,281 at 4% or $70,188 at 6%; with 50% employer match about $70,188 at 4% or $46,792 at 6%; with 100% employer match about $52,641 at 4% or $35,094 at 6%.
202418$393,239$31,281$3,910iApproximate average salary by contribution assumption: employee only about $97,753 at 4% or $65,169 at 6%; with 50% employer match about $65,169 at 4% or $43,446 at 6%; with 100% employer match about $48,877 at 4% or $32,584 at 6%.
WITHROW AND BAGGETT, LLP 401K PLAN-8$393,239$31,281$3,910iApproximate average salary by contribution assumption: employee only about $97,753 at 4% or $65,169 at 6%; with 50% employer match about $65,169 at 4% or $43,446 at 6%; with 100% employer match about $48,877 at 4% or $32,584 at 6%.
202317$324,235$29,617$4,231iApproximate average salary by contribution assumption: employee only about $105,775 at 4% or $70,517 at 6%; with 50% employer match about $70,517 at 4% or $47,011 at 6%; with 100% employer match about $52,888 at 4% or $35,258 at 6%.
WITHROW AND BAGGETT, LLP 401K PLAN-7$324,235$29,617$4,231iApproximate average salary by contribution assumption: employee only about $105,775 at 4% or $70,517 at 6%; with 50% employer match about $70,517 at 4% or $47,011 at 6%; with 100% employer match about $52,888 at 4% or $35,258 at 6%.
202218$281,087$29,993$3,749iApproximate average salary by contribution assumption: employee only about $93,728 at 4% or $62,485 at 6%; with 50% employer match about $62,485 at 4% or $41,657 at 6%; with 100% employer match about $46,864 at 4% or $31,243 at 6%.
WITHROW AND BAGGETT, LLP 401K PLAN-8$281,087$29,993$3,749iApproximate average salary by contribution assumption: employee only about $93,728 at 4% or $62,485 at 6%; with 50% employer match about $62,485 at 4% or $41,657 at 6%; with 100% employer match about $46,864 at 4% or $31,243 at 6%.
202117$296,714$29,894$4,271iApproximate average salary by contribution assumption: employee only about $106,764 at 4% or $71,176 at 6%; with 50% employer match about $71,176 at 4% or $47,451 at 6%; with 100% employer match about $53,382 at 4% or $35,588 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-7$296,714$29,894$4,271iApproximate average salary by contribution assumption: employee only about $106,764 at 4% or $71,176 at 6%; with 50% employer match about $71,176 at 4% or $47,451 at 6%; with 100% employer match about $53,382 at 4% or $35,588 at 6%.
202019$241,693$23,684$2,632iApproximate average salary by contribution assumption: employee only about $65,789 at 4% or $43,859 at 6%; with 50% employer match about $43,859 at 4% or $29,240 at 6%; with 100% employer match about $32,894 at 4% or $21,930 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-9$241,693$23,684$2,632iApproximate average salary by contribution assumption: employee only about $65,789 at 4% or $43,859 at 6%; with 50% employer match about $43,859 at 4% or $29,240 at 6%; with 100% employer match about $32,894 at 4% or $21,930 at 6%.
201919$186,151$18,943$2,105iApproximate average salary by contribution assumption: employee only about $52,619 at 4% or $35,080 at 6%; with 50% employer match about $35,080 at 4% or $23,386 at 6%; with 100% employer match about $26,310 at 4% or $17,540 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-9$186,151$18,943$2,105iApproximate average salary by contribution assumption: employee only about $52,619 at 4% or $35,080 at 6%; with 50% employer match about $35,080 at 4% or $23,386 at 6%; with 100% employer match about $26,310 at 4% or $17,540 at 6%.
201819$158,181$16,100$1,789iApproximate average salary by contribution assumption: employee only about $44,722 at 4% or $29,815 at 6%; with 50% employer match about $29,815 at 4% or $19,877 at 6%; with 100% employer match about $22,361 at 4% or $14,907 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-9$158,181$16,100$1,789iApproximate average salary by contribution assumption: employee only about $44,722 at 4% or $29,815 at 6%; with 50% employer match about $29,815 at 4% or $19,877 at 6%; with 100% employer match about $22,361 at 4% or $14,907 at 6%.
201718$153,492$24,124$3,016iApproximate average salary by contribution assumption: employee only about $75,388 at 4% or $50,258 at 6%; with 50% employer match about $50,258 at 4% or $33,506 at 6%; with 100% employer match about $37,694 at 4% or $25,129 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-8$153,492$24,124$3,016iApproximate average salary by contribution assumption: employee only about $75,388 at 4% or $50,258 at 6%; with 50% employer match about $50,258 at 4% or $33,506 at 6%; with 100% employer match about $37,694 at 4% or $25,129 at 6%.
201619$116,204$25,147$2,794iApproximate average salary by contribution assumption: employee only about $69,853 at 4% or $46,569 at 6%; with 50% employer match about $46,569 at 4% or $31,046 at 6%; with 100% employer match about $34,926 at 4% or $23,284 at 6%.
WITHROW, KOFTINOW, CALLAWAY AND BAGGETT, LLP 401(K) PLAN-9$116,204$25,147$2,794iApproximate average salary by contribution assumption: employee only about $69,853 at 4% or $46,569 at 6%; with 50% employer match about $46,569 at 4% or $31,046 at 6%; with 100% employer match about $34,926 at 4% or $23,284 at 6%.
201517$84,955$21,062$3,009iApproximate average salary by contribution assumption: employee only about $75,221 at 4% or $50,148 at 6%; with 50% employer match about $50,148 at 4% or $33,432 at 6%; with 100% employer match about $37,611 at 4% or $25,074 at 6%.
THE LOWRY COST SHARE 401(K) PLAN-7$84,955$21,062$3,009iApproximate average salary by contribution assumption: employee only about $75,221 at 4% or $50,148 at 6%; with 50% employer match about $50,148 at 4% or $33,432 at 6%; with 100% employer match about $37,611 at 4% or $25,074 at 6%.
201415$66,075$12,430$2,486iApproximate average salary by contribution assumption: employee only about $62,150 at 4% or $41,433 at 6%; with 50% employer match about $41,433 at 4% or $27,622 at 6%; with 100% employer match about $31,075 at 4% or $20,717 at 6%.
THE LOWRY COST SHARE 401K PLAN-5$66,075$12,430$2,486iApproximate average salary by contribution assumption: employee only about $62,150 at 4% or $41,433 at 6%; with 50% employer match about $41,433 at 4% or $27,622 at 6%; with 100% employer match about $31,075 at 4% or $20,717 at 6%.
201315$51,686$28,830$5,766iApproximate average salary by contribution assumption: employee only about $144,150 at 4% or $96,100 at 6%; with 50% employer match about $96,100 at 4% or $64,067 at 6%; with 100% employer match about $72,075 at 4% or $48,050 at 6%.
THE LOWRY COST SHARE 401K PLAN-5$51,686$28,830$5,766iApproximate average salary by contribution assumption: employee only about $144,150 at 4% or $96,100 at 6%; with 50% employer match about $96,100 at 4% or $64,067 at 6%; with 100% employer match about $72,075 at 4% or $48,050 at 6%.
201214$17,550$3,900$975iApproximate average salary by contribution assumption: employee only about $24,375 at 4% or $16,250 at 6%; with 50% employer match about $16,250 at 4% or $10,833 at 6%; with 100% employer match about $12,188 at 4% or $8,125 at 6%.
THE LOWRY COST SHARE 401K PLAN-4$17,550$3,900$975iApproximate average salary by contribution assumption: employee only about $24,375 at 4% or $16,250 at 6%; with 50% employer match about $16,250 at 4% or $10,833 at 6%; with 100% employer match about $12,188 at 4% or $8,125 at 6%.
201114$12,121$4,000$1,000iApproximate average salary by contribution assumption: employee only about $25,000 at 4% or $16,667 at 6%; with 50% employer match about $16,667 at 4% or $11,111 at 6%; with 100% employer match about $12,500 at 4% or $8,333 at 6%.
THE LOWRY COST SHARE 401K PLAN-4$12,121$4,000$1,000iApproximate average salary by contribution assumption: employee only about $25,000 at 4% or $16,667 at 6%; with 50% employer match about $16,667 at 4% or $11,111 at 6%; with 100% employer match about $12,500 at 4% or $8,333 at 6%.
201014$9,192$6,972$1,743iApproximate average salary by contribution assumption: employee only about $43,575 at 4% or $29,050 at 6%; with 50% employer match about $29,050 at 4% or $19,367 at 6%; with 100% employer match about $21,788 at 4% or $14,525 at 6%.
THE LOWRY COST SHARE 401K PLAN-4$9,192$6,972$1,743iApproximate average salary by contribution assumption: employee only about $43,575 at 4% or $29,050 at 6%; with 50% employer match about $29,050 at 4% or $19,367 at 6%; with 100% employer match about $21,788 at 4% or $14,525 at 6%.
200915$1,610$1,660$332iApproximate average salary by contribution assumption: employee only about $8,300 at 4% or $5,533 at 6%; with 50% employer match about $5,533 at 4% or $3,689 at 6%; with 100% employer match about $4,150 at 4% or $2,767 at 6%.
THE LOWRY COST SHARE 401K PLAN-5$1,610$1,660$332iApproximate average salary by contribution assumption: employee only about $8,300 at 4% or $5,533 at 6%; with 50% employer match about $5,533 at 4% or $3,689 at 6%; with 100% employer match about $4,150 at 4% or $2,767 at 6%.