Utah Power Credit Union
Plan context: Utah Power Credit Union Defined Benefit Plan and Trust
EIN 87-0188878 • Salt Lake City, UT • 45 filings • 5 plans
Current Snapshot
Latest Year
2024
2024 Participants
86
2024 Assets
$10,886,523
2024 Contributions
$846,325
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 | 2 | 86 | $10,886,523 | $846,325 | $9,841iApproximate average salary by contribution assumption: employee only about $246,025 at 4% or $164,016 at 6%; with 50% employer match about $164,016 at 4% or $109,344 at 6%; with 100% employer match about $123,012 at 4% or $82,008 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 62 | $5,853,521 | $500,000 | $8,065iApproximate average salary by contribution assumption: employee only about $201,613 at 4% or $134,409 at 6%; with 50% employer match about $134,409 at 4% or $89,606 at 6%; with 100% employer match about $100,806 at 4% or $67,204 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 86 | $5,033,002 | $346,325 | $4,027iApproximate average salary by contribution assumption: employee only about $100,676 at 4% or $67,117 at 6%; with 50% employer match about $67,117 at 4% or $44,745 at 6%; with 100% employer match about $50,338 at 4% or $33,559 at 6%. |
| 2023 | 2 | 81 | $9,693,291 | $838,496 | $10,352iApproximate average salary by contribution assumption: employee only about $258,795 at 4% or $172,530 at 6%; with 50% employer match about $172,530 at 4% or $115,020 at 6%; with 100% employer match about $129,398 at 4% or $86,265 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 62 | $5,184,753 | $500,000 | $8,065iApproximate average salary by contribution assumption: employee only about $201,613 at 4% or $134,409 at 6%; with 50% employer match about $134,409 at 4% or $89,606 at 6%; with 100% employer match about $100,806 at 4% or $67,204 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 81 | $4,508,538 | $338,496 | $4,179iApproximate average salary by contribution assumption: employee only about $104,474 at 4% or $69,649 at 6%; with 50% employer match about $69,649 at 4% or $46,433 at 6%; with 100% employer match about $52,237 at 4% or $34,825 at 6%. |
| 2022 | 2 | 75 | $8,316,798 | $1,834,769 | $24,464iApproximate average salary by contribution assumption: employee only about $611,590 at 4% or $407,726 at 6%; with 50% employer match about $407,726 at 4% or $271,818 at 6%; with 100% employer match about $305,795 at 4% or $203,863 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 63 | $4,432,435 | $1,500,000 | $23,810iApproximate average salary by contribution assumption: employee only about $595,238 at 4% or $396,825 at 6%; with 50% employer match about $396,825 at 4% or $264,550 at 6%; with 100% employer match about $297,619 at 4% or $198,413 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 75 | $3,884,363 | $334,769 | $4,464iApproximate average salary by contribution assumption: employee only about $111,590 at 4% or $74,393 at 6%; with 50% employer match about $74,393 at 4% or $49,595 at 6%; with 100% employer match about $55,795 at 4% or $37,197 at 6%. |
| 2021 | 2 | 74 | $10,012,355 | $1,300,109 | $17,569iApproximate average salary by contribution assumption: employee only about $439,226 at 4% or $292,817 at 6%; with 50% employer match about $292,817 at 4% or $195,212 at 6%; with 100% employer match about $219,613 at 4% or $146,409 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 74 | $5,112,731 | $350,109 | $4,731iApproximate average salary by contribution assumption: employee only about $118,280 at 4% or $78,853 at 6%; with 50% employer match about $78,853 at 4% or $52,569 at 6%; with 100% employer match about $59,140 at 4% or $39,427 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 64 | $4,899,624 | $950,000 | $14,844iApproximate average salary by contribution assumption: employee only about $371,094 at 4% or $247,396 at 6%; with 50% employer match about $247,396 at 4% or $164,931 at 6%; with 100% employer match about $185,547 at 4% or $123,698 at 6%. |
| 2020 | 2 | 72 | $8,686,043 | $777,499 | $10,799iApproximate average salary by contribution assumption: employee only about $269,965 at 4% or $179,977 at 6%; with 50% employer match about $179,977 at 4% or $119,984 at 6%; with 100% employer match about $134,982 at 4% or $89,988 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 72 | $4,566,784 | $320,270 | $4,448iApproximate average salary by contribution assumption: employee only about $111,205 at 4% or $74,137 at 6%; with 50% employer match about $74,137 at 4% or $49,424 at 6%; with 100% employer match about $55,602 at 4% or $37,068 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 64 | $4,119,259 | $457,229 | $7,144iApproximate average salary by contribution assumption: employee only about $178,605 at 4% or $119,070 at 6%; with 50% employer match about $119,070 at 4% or $79,380 at 6%; with 100% employer match about $89,303 at 4% or $59,535 at 6%. |
| 2019 | 2 | 67 | $7,780,423 | $792,070 | $11,822iApproximate average salary by contribution assumption: employee only about $295,549 at 4% or $197,032 at 6%; with 50% employer match about $197,032 at 4% or $131,355 at 6%; with 100% employer match about $147,774 at 4% or $98,516 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 67 | $4,030,162 | $295,306 | $4,408iApproximate average salary by contribution assumption: employee only about $110,189 at 4% or $73,459 at 6%; with 50% employer match about $73,459 at 4% or $48,973 at 6%; with 100% employer match about $55,094 at 4% or $36,730 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 62 | $3,750,261 | $496,764 | $8,012iApproximate average salary by contribution assumption: employee only about $200,308 at 4% or $133,539 at 6%; with 50% employer match about $133,539 at 4% or $89,026 at 6%; with 100% employer match about $100,154 at 4% or $66,769 at 6%. |
| 2018 | 2 | 63 | $6,194,944 | $577,315 | $9,164iApproximate average salary by contribution assumption: employee only about $229,093 at 4% or $152,729 at 6%; with 50% employer match about $152,729 at 4% or $101,819 at 6%; with 100% employer match about $114,547 at 4% or $76,364 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 63 | $3,294,127 | $270,705 | $4,297iApproximate average salary by contribution assumption: employee only about $107,423 at 4% or $71,615 at 6%; with 50% employer match about $71,615 at 4% or $47,743 at 6%; with 100% employer match about $53,711 at 4% or $35,808 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 58 | $2,900,817 | $306,610 | $5,286iApproximate average salary by contribution assumption: employee only about $132,159 at 4% or $88,106 at 6%; with 50% employer match about $88,106 at 4% or $58,738 at 6%; with 100% employer match about $66,080 at 4% or $44,053 at 6%. |
| 2017 | 2 | 59 | $6,770,511 | $562,387 | $9,532iApproximate average salary by contribution assumption: employee only about $238,300 at 4% or $158,866 at 6%; with 50% employer match about $158,866 at 4% or $105,911 at 6%; with 100% employer match about $119,150 at 4% or $79,433 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 59 | $3,531,266 | $262,387 | $4,447iApproximate average salary by contribution assumption: employee only about $111,181 at 4% or $74,121 at 6%; with 50% employer match about $74,121 at 4% or $49,414 at 6%; with 100% employer match about $55,590 at 4% or $37,060 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 58 | $3,239,245 | $300,000 | $5,172iApproximate average salary by contribution assumption: employee only about $129,310 at 4% or $86,207 at 6%; with 50% employer match about $86,207 at 4% or $57,471 at 6%; with 100% employer match about $64,655 at 4% or $43,103 at 6%. |
| 2016 | 2 | 58 | $5,927,040 | $528,097 | $9,105iApproximate average salary by contribution assumption: employee only about $227,628 at 4% or $151,752 at 6%; with 50% employer match about $151,752 at 4% or $101,168 at 6%; with 100% employer match about $113,814 at 4% or $75,876 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 58 | $3,052,071 | $228,097 | $3,933iApproximate average salary by contribution assumption: employee only about $98,318 at 4% or $65,545 at 6%; with 50% employer match about $65,545 at 4% or $43,697 at 6%; with 100% employer match about $49,159 at 4% or $32,773 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 55 | $2,874,969 | $300,000 | $5,455iApproximate average salary by contribution assumption: employee only about $136,364 at 4% or $90,909 at 6%; with 50% employer match about $90,909 at 4% or $60,606 at 6%; with 100% employer match about $68,182 at 4% or $45,455 at 6%. |
| 2015 | 2 | 57 | $5,228,318 | $706,276 | $12,391iApproximate average salary by contribution assumption: employee only about $309,770 at 4% or $206,513 at 6%; with 50% employer match about $206,513 at 4% or $137,676 at 6%; with 100% employer match about $154,885 at 4% or $103,257 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 57 | $2,648,866 | $306,276 | $5,373iApproximate average salary by contribution assumption: employee only about $134,332 at 4% or $89,554 at 6%; with 50% employer match about $89,554 at 4% or $59,703 at 6%; with 100% employer match about $67,166 at 4% or $44,777 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 55 | $2,579,452 | $400,000 | $7,273iApproximate average salary by contribution assumption: employee only about $181,818 at 4% or $121,212 at 6%; with 50% employer match about $121,212 at 4% or $80,808 at 6%; with 100% employer match about $90,909 at 4% or $60,606 at 6%. |
| 2014 | 2 | 52 | $4,576,298 | $418,003 | $8,039iApproximate average salary by contribution assumption: employee only about $200,963 at 4% or $133,975 at 6%; with 50% employer match about $133,975 at 4% or $89,317 at 6%; with 100% employer match about $100,481 at 4% or $66,988 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 45 | $2,380,285 | $202,678 | $4,504iApproximate average salary by contribution assumption: employee only about $112,599 at 4% or $75,066 at 6%; with 50% employer match about $75,066 at 4% or $50,044 at 6%; with 100% employer match about $56,299 at 4% or $37,533 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 52 | $2,196,013 | $215,325 | $4,141iApproximate average salary by contribution assumption: employee only about $103,522 at 4% or $69,014 at 6%; with 50% employer match about $69,014 at 4% or $46,010 at 6%; with 100% employer match about $51,761 at 4% or $34,507 at 6%. |
| 2013 | 2 | 56 | $4,083,607 | $565,294 | $10,095iApproximate average salary by contribution assumption: employee only about $252,363 at 4% or $168,242 at 6%; with 50% employer match about $168,242 at 4% or $112,162 at 6%; with 100% employer match about $126,182 at 4% or $84,121 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 56 | $2,068,844 | $289,942 | $5,178iApproximate average salary by contribution assumption: employee only about $129,438 at 4% or $86,292 at 6%; with 50% employer match about $86,292 at 4% or $57,528 at 6%; with 100% employer match about $64,719 at 4% or $43,146 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 50 | $2,014,763 | $275,352 | $5,507iApproximate average salary by contribution assumption: employee only about $137,676 at 4% or $91,784 at 6%; with 50% employer match about $91,784 at 4% or $61,189 at 6%; with 100% employer match about $68,838 at 4% or $45,892 at 6%. |
| 2012 | 2 | 56 | $3,231,610 | $430,775 | $7,692iApproximate average salary by contribution assumption: employee only about $192,310 at 4% or $128,207 at 6%; with 50% employer match about $128,207 at 4% or $85,471 at 6%; with 100% employer match about $96,155 at 4% or $64,103 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 45 | $1,626,328 | $245,020 | $5,445iApproximate average salary by contribution assumption: employee only about $136,122 at 4% or $90,748 at 6%; with 50% employer match about $90,748 at 4% or $60,499 at 6%; with 100% employer match about $68,061 at 4% or $45,374 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 56 | $1,605,282 | $185,755 | $3,317iApproximate average salary by contribution assumption: employee only about $82,926 at 4% or $55,284 at 6%; with 50% employer match about $55,284 at 4% or $36,856 at 6%; with 100% employer match about $41,463 at 4% or $27,642 at 6%. |
| 2011 | 2 | 54 | $3,046,549 | $572,267 | $10,598iApproximate average salary by contribution assumption: employee only about $264,938 at 4% or $176,626 at 6%; with 50% employer match about $176,626 at 4% or $117,750 at 6%; with 100% employer match about $132,469 at 4% or $88,313 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 51 | $1,775,944 | $375,000 | $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%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 54 | $1,270,605 | $197,267 | $3,653iApproximate average salary by contribution assumption: employee only about $91,327 at 4% or $60,885 at 6%; with 50% employer match about $60,885 at 4% or $40,590 at 6%; with 100% employer match about $45,664 at 4% or $30,442 at 6%. |
| 2010 | 2 | 48 | $2,530,000 | $394,591 | $8,221iApproximate average salary by contribution assumption: employee only about $205,516 at 4% or $137,011 at 6%; with 50% employer match about $137,011 at 4% or $91,341 at 6%; with 100% employer match about $102,758 at 4% or $68,505 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 44 | $1,424,691 | $225,000 | $5,114iApproximate average salary by contribution assumption: employee only about $127,841 at 4% or $85,227 at 6%; with 50% employer match about $85,227 at 4% or $56,818 at 6%; with 100% employer match about $63,920 at 4% or $42,614 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 48 | $1,105,309 | $169,591 | $3,533iApproximate average salary by contribution assumption: employee only about $88,329 at 4% or $58,886 at 6%; with 50% employer match about $58,886 at 4% or $39,257 at 6%; with 100% employer match about $44,164 at 4% or $29,443 at 6%. |
| 2009 | 2 | 49 | $2,427,126 | $243,453 | $4,968iApproximate average salary by contribution assumption: employee only about $124,211 at 4% or $82,807 at 6%; with 50% employer match about $82,807 at 4% or $55,205 at 6%; with 100% employer match about $62,105 at 4% or $41,404 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 42 | $1,451,084 | $90,000 | $2,143iApproximate average salary by contribution assumption: employee only about $53,571 at 4% or $35,714 at 6%; with 50% employer match about $35,714 at 4% or $23,810 at 6%; with 100% employer match about $26,786 at 4% or $17,857 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 49 | $976,042 | $153,453 | $3,132iApproximate average salary by contribution assumption: employee only about $78,292 at 4% or $52,195 at 6%; with 50% employer match about $52,195 at 4% or $34,797 at 6%; with 100% employer match about $39,146 at 4% or $26,097 at 6%. |
| 2008 | 2 | 42 | $2,023,402 | $254,953 | $6,070iApproximate average salary by contribution assumption: employee only about $151,758 at 4% or $101,172 at 6%; with 50% employer match about $101,172 at 4% or $67,448 at 6%; with 100% employer match about $75,879 at 4% or $50,586 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 31 | $1,252,755 | $90,000 | $2,903iApproximate average salary by contribution assumption: employee only about $72,581 at 4% or $48,387 at 6%; with 50% employer match about $48,387 at 4% or $32,258 at 6%; with 100% employer match about $36,290 at 4% or $24,194 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 42 | $770,647 | $164,953 | $3,927iApproximate average salary by contribution assumption: employee only about $98,186 at 4% or $65,458 at 6%; with 50% employer match about $65,458 at 4% or $43,638 at 6%; with 100% employer match about $49,093 at 4% or $32,729 at 6%. |
| 2007 | 2 | 30 | $956,471 | $141,276 | $4,709iApproximate average salary by contribution assumption: employee only about $117,730 at 4% or $78,487 at 6%; with 50% employer match about $78,487 at 4% or $52,324 at 6%; with 100% employer match about $58,865 at 4% or $39,243 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 28 | $956,471 | $141,276 | $5,046iApproximate average salary by contribution assumption: employee only about $126,139 at 4% or $84,093 at 6%; with 50% employer match about $84,093 at 4% or $56,062 at 6%; with 100% employer match about $63,070 at 4% or $42,046 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 30 | - | - | - |
| 2006 | 2 | 28 | $2,310,129 | $178,191 | $6,364iApproximate average salary by contribution assumption: employee only about $159,099 at 4% or $106,066 at 6%; with 50% employer match about $106,066 at 4% or $70,711 at 6%; with 100% employer match about $79,550 at 4% or $53,033 at 6%. |
| Utah Power Credit Union Defined Benefit Plan and Trust | - | 26 | $1,536,319 | $76,734 | $2,951iApproximate average salary by contribution assumption: employee only about $73,783 at 4% or $49,188 at 6%; with 50% employer match about $49,188 at 4% or $32,792 at 6%; with 100% employer match about $36,891 at 4% or $24,594 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 28 | $773,810 | $101,457 | $3,623iApproximate average salary by contribution assumption: employee only about $90,587 at 4% or $60,391 at 6%; with 50% employer match about $60,391 at 4% or $40,261 at 6%; with 100% employer match about $45,293 at 4% or $30,196 at 6%. |
| 2005 | 1 | 31 | $653,280 | $122,196 | $3,942iApproximate average salary by contribution assumption: employee only about $98,545 at 4% or $65,697 at 6%; with 50% employer match about $65,697 at 4% or $43,798 at 6%; with 100% employer match about $49,273 at 4% or $32,848 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 31 | $653,280 | $122,196 | $3,942iApproximate average salary by contribution assumption: employee only about $98,545 at 4% or $65,697 at 6%; with 50% employer match about $65,697 at 4% or $43,798 at 6%; with 100% employer match about $49,273 at 4% or $32,848 at 6%. |
| 2004 | 1 | 31 | $526,171 | $101,152 | $3,263iApproximate average salary by contribution assumption: employee only about $81,574 at 4% or $54,383 at 6%; with 50% employer match about $54,383 at 4% or $36,255 at 6%; with 100% employer match about $40,787 at 4% or $27,191 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 31 | $526,171 | $101,152 | $3,263iApproximate average salary by contribution assumption: employee only about $81,574 at 4% or $54,383 at 6%; with 50% employer match about $54,383 at 4% or $36,255 at 6%; with 100% employer match about $40,787 at 4% or $27,191 at 6%. |
| 2003 | 1 | 29 | $381,816 | $112,683 | $3,886iApproximate average salary by contribution assumption: employee only about $97,141 at 4% or $64,760 at 6%; with 50% employer match about $64,760 at 4% or $43,174 at 6%; with 100% employer match about $48,570 at 4% or $32,380 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 29 | $381,816 | $112,683 | $3,886iApproximate average salary by contribution assumption: employee only about $97,141 at 4% or $64,760 at 6%; with 50% employer match about $64,760 at 4% or $43,174 at 6%; with 100% employer match about $48,570 at 4% or $32,380 at 6%. |
| 2002 | 1 | 27 | $229,572 | $71,981 | $2,666iApproximate average salary by contribution assumption: employee only about $66,649 at 4% or $44,433 at 6%; with 50% employer match about $44,433 at 4% or $29,622 at 6%; with 100% employer match about $33,325 at 4% or $22,216 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 27 | $229,572 | $71,981 | $2,666iApproximate average salary by contribution assumption: employee only about $66,649 at 4% or $44,433 at 6%; with 50% employer match about $44,433 at 4% or $29,622 at 6%; with 100% employer match about $33,325 at 4% or $22,216 at 6%. |
| 2001 | 1 | 25 | $242,250 | $61,136 | $2,445iApproximate average salary by contribution assumption: employee only about $61,136 at 4% or $40,757 at 6%; with 50% employer match about $40,757 at 4% or $27,172 at 6%; with 100% employer match about $30,568 at 4% or $20,379 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 25 | $242,250 | $61,136 | $2,445iApproximate average salary by contribution assumption: employee only about $61,136 at 4% or $40,757 at 6%; with 50% employer match about $40,757 at 4% or $27,172 at 6%; with 100% employer match about $30,568 at 4% or $20,379 at 6%. |
| 2000 | 1 | 22 | $215,546 | $44,225 | $2,010iApproximate average salary by contribution assumption: employee only about $50,256 at 4% or $33,504 at 6%; with 50% employer match about $33,504 at 4% or $22,336 at 6%; with 100% employer match about $25,128 at 4% or $16,752 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 22 | $215,546 | $44,225 | $2,010iApproximate average salary by contribution assumption: employee only about $50,256 at 4% or $33,504 at 6%; with 50% employer match about $33,504 at 4% or $22,336 at 6%; with 100% employer match about $25,128 at 4% or $16,752 at 6%. |
| 1999 | 1 | 14 | $185,007 | $32,277 | $2,306iApproximate average salary by contribution assumption: employee only about $57,638 at 4% or $38,425 at 6%; with 50% employer match about $38,425 at 4% or $25,617 at 6%; with 100% employer match about $28,819 at 4% or $19,213 at 6%. |
| Utah Power & Light Employees Credit Union 401K Plan and Trust | - | 14 | $185,007 | $32,277 | $2,306iApproximate average salary by contribution assumption: employee only about $57,638 at 4% or $38,425 at 6%; with 50% employer match about $38,425 at 4% or $25,617 at 6%; with 100% employer match about $28,819 at 4% or $19,213 at 6%. |