Paul Spinka, M.D.
Plan context: Paul Spinka, M.D. 401K Profit Sharing Plan
EIN 91-1859679 • Redding, CA • 50 filings • 13 plans
Current Snapshot
Latest Year
2023
2023 Participants
4
2023 Assets
$7,874,160
2023 Contributions
$26,960
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 |
|---|---|---|---|---|---|
| 2023 | 1 | 0 | $0 | $0 | - |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 0 | $0 | $0 | - |
| 2022 | 1 | 4 | $7,874,160 | $26,960 | $6,740iApproximate average salary by contribution assumption: employee only about $168,500 at 4% or $112,333 at 6%; with 50% employer match about $112,333 at 4% or $74,889 at 6%; with 100% employer match about $84,250 at 4% or $56,167 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $7,874,160 | $26,960 | $6,740iApproximate average salary by contribution assumption: employee only about $168,500 at 4% or $112,333 at 6%; with 50% employer match about $112,333 at 4% or $74,889 at 6%; with 100% employer match about $84,250 at 4% or $56,167 at 6%. |
| 2021 | 1 | 4 | $9,512,398 | $95,391 | $23,848iApproximate average salary by contribution assumption: employee only about $596,194 at 4% or $397,463 at 6%; with 50% employer match about $397,463 at 4% or $264,975 at 6%; with 100% employer match about $298,097 at 4% or $198,731 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $9,512,398 | $95,391 | $23,848iApproximate average salary by contribution assumption: employee only about $596,194 at 4% or $397,463 at 6%; with 50% employer match about $397,463 at 4% or $264,975 at 6%; with 100% employer match about $298,097 at 4% or $198,731 at 6%. |
| 2020 | 1 | 4 | $8,018,367 | $94,230 | $23,558iApproximate average salary by contribution assumption: employee only about $588,938 at 4% or $392,625 at 6%; with 50% employer match about $392,625 at 4% or $261,750 at 6%; with 100% employer match about $294,469 at 4% or $196,313 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $8,018,367 | $94,230 | $23,558iApproximate average salary by contribution assumption: employee only about $588,938 at 4% or $392,625 at 6%; with 50% employer match about $392,625 at 4% or $261,750 at 6%; with 100% employer match about $294,469 at 4% or $196,313 at 6%. |
| 2019 | 1 | 4 | $6,884,967 | $89,958 | $22,490iApproximate average salary by contribution assumption: employee only about $562,238 at 4% or $374,825 at 6%; with 50% employer match about $374,825 at 4% or $249,883 at 6%; with 100% employer match about $281,119 at 4% or $187,413 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $6,884,967 | $89,958 | $22,490iApproximate average salary by contribution assumption: employee only about $562,238 at 4% or $374,825 at 6%; with 50% employer match about $374,825 at 4% or $249,883 at 6%; with 100% employer match about $281,119 at 4% or $187,413 at 6%. |
| 2018 | 1 | 4 | $5,667,916 | $92,729 | $23,182iApproximate average salary by contribution assumption: employee only about $579,556 at 4% or $386,371 at 6%; with 50% employer match about $386,371 at 4% or $257,581 at 6%; with 100% employer match about $289,778 at 4% or $193,185 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $5,667,916 | $92,729 | $23,182iApproximate average salary by contribution assumption: employee only about $579,556 at 4% or $386,371 at 6%; with 50% employer match about $386,371 at 4% or $257,581 at 6%; with 100% employer match about $289,778 at 4% or $193,185 at 6%. |
| 2017 | 1 | 4 | $5,936,420 | $92,093 | $23,023iApproximate average salary by contribution assumption: employee only about $575,581 at 4% or $383,721 at 6%; with 50% employer match about $383,721 at 4% or $255,814 at 6%; with 100% employer match about $287,791 at 4% or $191,860 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $5,936,420 | $92,093 | $23,023iApproximate average salary by contribution assumption: employee only about $575,581 at 4% or $383,721 at 6%; with 50% employer match about $383,721 at 4% or $255,814 at 6%; with 100% employer match about $287,791 at 4% or $191,860 at 6%. |
| 2016 | 1 | 4 | $4,918,764 | $86,892 | $21,723iApproximate average salary by contribution assumption: employee only about $543,075 at 4% or $362,050 at 6%; with 50% employer match about $362,050 at 4% or $241,367 at 6%; with 100% employer match about $271,538 at 4% or $181,025 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $4,918,764 | $86,892 | $21,723iApproximate average salary by contribution assumption: employee only about $543,075 at 4% or $362,050 at 6%; with 50% employer match about $362,050 at 4% or $241,367 at 6%; with 100% employer match about $271,538 at 4% or $181,025 at 6%. |
| 2015 | 2 | 4 | $4,476,555 | $2,674,144 | $668,536iApproximate average salary by contribution assumption: employee only about $16,713,400 at 4% or $11,142,267 at 6%; with 50% employer match about $11,142,267 at 4% or $7,428,178 at 6%; with 100% employer match about $8,356,700 at 4% or $5,571,133 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $4,476,555 | $2,674,144 | $668,536iApproximate average salary by contribution assumption: employee only about $16,713,400 at 4% or $11,142,267 at 6%; with 50% employer match about $11,142,267 at 4% or $7,428,178 at 6%; with 100% employer match about $8,356,700 at 4% or $5,571,133 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 0 | $0 | $0 | - |
| 2014 | 2 | 4 | $4,769,359 | $85,383 | $21,346iApproximate average salary by contribution assumption: employee only about $533,644 at 4% or $355,763 at 6%; with 50% employer match about $355,763 at 4% or $237,175 at 6%; with 100% employer match about $266,822 at 4% or $177,881 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $2,927,915 | $0 | - |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $1,841,444 | $85,383 | $21,346iApproximate average salary by contribution assumption: employee only about $533,644 at 4% or $355,763 at 6%; with 50% employer match about $355,763 at 4% or $237,175 at 6%; with 100% employer match about $266,822 at 4% or $177,881 at 6%. |
| 2013 | 2 | 4 | $4,426,839 | $207,626 | $51,907iApproximate average salary by contribution assumption: employee only about $1,297,663 at 4% or $865,108 at 6%; with 50% employer match about $865,108 at 4% or $576,739 at 6%; with 100% employer match about $648,831 at 4% or $432,554 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $2,767,181 | $145,000 | $36,250iApproximate average salary by contribution assumption: employee only about $906,250 at 4% or $604,167 at 6%; with 50% employer match about $604,167 at 4% or $402,778 at 6%; with 100% employer match about $453,125 at 4% or $302,083 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $1,659,658 | $62,626 | $15,657iApproximate average salary by contribution assumption: employee only about $391,413 at 4% or $260,942 at 6%; with 50% employer match about $260,942 at 4% or $173,961 at 6%; with 100% employer match about $195,706 at 4% or $130,471 at 6%. |
| 2012 | 2 | 4 | $3,396,887 | $232,121 | $58,030iApproximate average salary by contribution assumption: employee only about $1,450,756 at 4% or $967,171 at 6%; with 50% employer match about $967,171 at 4% or $644,781 at 6%; with 100% employer match about $725,378 at 4% or $483,585 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $2,111,117 | $145,000 | $36,250iApproximate average salary by contribution assumption: employee only about $906,250 at 4% or $604,167 at 6%; with 50% employer match about $604,167 at 4% or $402,778 at 6%; with 100% employer match about $453,125 at 4% or $302,083 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $1,285,770 | $87,121 | $21,780iApproximate average salary by contribution assumption: employee only about $544,506 at 4% or $363,004 at 6%; with 50% employer match about $363,004 at 4% or $242,003 at 6%; with 100% employer match about $272,253 at 4% or $181,502 at 6%. |
| 2011 | 2 | 4 | $2,723,813 | $197,153 | $49,288iApproximate average salary by contribution assumption: employee only about $1,232,206 at 4% or $821,471 at 6%; with 50% employer match about $821,471 at 4% or $547,647 at 6%; with 100% employer match about $616,103 at 4% or $410,735 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $1,692,174 | $145,000 | $36,250iApproximate average salary by contribution assumption: employee only about $906,250 at 4% or $604,167 at 6%; with 50% employer match about $604,167 at 4% or $402,778 at 6%; with 100% employer match about $453,125 at 4% or $302,083 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $1,031,639 | $52,153 | $13,038iApproximate average salary by contribution assumption: employee only about $325,956 at 4% or $217,304 at 6%; with 50% employer match about $217,304 at 4% or $144,869 at 6%; with 100% employer match about $162,978 at 4% or $108,652 at 6%. |
| 2010 | 3 | 4 | $2,704,891 | $521,228 | $130,307iApproximate average salary by contribution assumption: employee only about $3,257,675 at 4% or $2,171,783 at 6%; with 50% employer match about $2,171,783 at 4% or $1,447,856 at 6%; with 100% employer match about $1,628,838 at 4% or $1,085,892 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $1,656,214 | $167,000 | $41,750iApproximate average salary by contribution assumption: employee only about $1,043,750 at 4% or $695,833 at 6%; with 50% employer match about $695,833 at 4% or $463,889 at 6%; with 100% employer match about $521,875 at 4% or $347,917 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $1,048,677 | $354,228 | $88,557iApproximate average salary by contribution assumption: employee only about $2,213,925 at 4% or $1,475,950 at 6%; with 50% employer match about $1,475,950 at 4% or $983,967 at 6%; with 100% employer match about $1,106,963 at 4% or $737,975 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 0 | $0 | $0 | - |
| 2009 | 3 | 5 | $2,222,289 | $200,034 | $40,007iApproximate average salary by contribution assumption: employee only about $1,000,170 at 4% or $666,780 at 6%; with 50% employer match about $666,780 at 4% or $444,520 at 6%; with 100% employer match about $500,085 at 4% or $333,390 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 5 | $1,305,896 | $150,000 | $30,000iApproximate average salary by contribution assumption: employee only about $750,000 at 4% or $500,000 at 6%; with 50% employer match about $500,000 at 4% or $333,333 at 6%; with 100% employer match about $375,000 at 4% or $250,000 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 5 | $600,859 | $50,034 | $10,007iApproximate average salary by contribution assumption: employee only about $250,170 at 4% or $166,780 at 6%; with 50% employer match about $166,780 at 4% or $111,187 at 6%; with 100% employer match about $125,085 at 4% or $83,390 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 5 | $315,534 | $0 | - |
| 2008 | 3 | 5 | $1,586,710 | $274,993 | $54,999iApproximate average salary by contribution assumption: employee only about $1,374,965 at 4% or $916,643 at 6%; with 50% employer match about $916,643 at 4% or $611,096 at 6%; with 100% employer match about $687,483 at 4% or $458,322 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 5 | $907,877 | $185,000 | $37,000iApproximate average salary by contribution assumption: employee only about $925,000 at 4% or $616,667 at 6%; with 50% employer match about $616,667 at 4% or $411,111 at 6%; with 100% employer match about $462,500 at 4% or $308,333 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $431,002 | $34,550 | $8,638iApproximate average salary by contribution assumption: employee only about $215,938 at 4% or $143,958 at 6%; with 50% employer match about $143,958 at 4% or $95,972 at 6%; with 100% employer match about $107,969 at 4% or $71,979 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 4 | $247,831 | $55,443 | $13,861iApproximate average salary by contribution assumption: employee only about $346,519 at 4% or $231,013 at 6%; with 50% employer match about $231,013 at 4% or $154,008 at 6%; with 100% employer match about $173,259 at 4% or $115,506 at 6%. |
| 2007 | 3 | 5 | $2,018,103 | $253,751 | $50,750iApproximate average salary by contribution assumption: employee only about $1,268,755 at 4% or $845,837 at 6%; with 50% employer match about $845,837 at 4% or $563,891 at 6%; with 100% employer match about $634,378 at 4% or $422,918 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 5 | $1,109,339 | $173,454 | $34,691iApproximate average salary by contribution assumption: employee only about $867,270 at 4% or $578,180 at 6%; with 50% employer match about $578,180 at 4% or $385,453 at 6%; with 100% employer match about $433,635 at 4% or $289,090 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 5 | $613,380 | $31,000 | $6,200iApproximate average salary by contribution assumption: employee only about $155,000 at 4% or $103,333 at 6%; with 50% employer match about $103,333 at 4% or $68,889 at 6%; with 100% employer match about $77,500 at 4% or $51,667 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 5 | $295,384 | $49,297 | $9,859iApproximate average salary by contribution assumption: employee only about $246,485 at 4% or $164,323 at 6%; with 50% employer match about $164,323 at 4% or $109,549 at 6%; with 100% employer match about $123,243 at 4% or $82,162 at 6%. |
| 2006 | 3 | 4 | $1,620,279 | $240,749 | $60,187iApproximate average salary by contribution assumption: employee only about $1,504,681 at 4% or $1,003,121 at 6%; with 50% employer match about $1,003,121 at 4% or $668,747 at 6%; with 100% employer match about $752,341 at 4% or $501,560 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $859,793 | $165,263 | $41,316iApproximate average salary by contribution assumption: employee only about $1,032,894 at 4% or $688,596 at 6%; with 50% employer match about $688,596 at 4% or $459,064 at 6%; with 100% employer match about $516,447 at 4% or $344,298 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $534,405 | $30,500 | $7,625iApproximate average salary by contribution assumption: employee only about $190,625 at 4% or $127,083 at 6%; with 50% employer match about $127,083 at 4% or $84,722 at 6%; with 100% employer match about $95,313 at 4% or $63,542 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 4 | $226,081 | $44,986 | $11,247iApproximate average salary by contribution assumption: employee only about $281,163 at 4% or $187,442 at 6%; with 50% employer match about $187,442 at 4% or $124,961 at 6%; with 100% employer match about $140,581 at 4% or $93,721 at 6%. |
| 2005 | 3 | 4 | $1,208,028 | $227,550 | $56,888iApproximate average salary by contribution assumption: employee only about $1,422,188 at 4% or $948,125 at 6%; with 50% employer match about $948,125 at 4% or $632,083 at 6%; with 100% employer match about $711,094 at 4% or $474,063 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $610,486 | $148,473 | $37,118iApproximate average salary by contribution assumption: employee only about $927,956 at 4% or $618,638 at 6%; with 50% employer match about $618,638 at 4% or $412,425 at 6%; with 100% employer match about $463,978 at 4% or $309,319 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $441,082 | $29,300 | $7,325iApproximate average salary by contribution assumption: employee only about $183,125 at 4% or $122,083 at 6%; with 50% employer match about $122,083 at 4% or $81,389 at 6%; with 100% employer match about $91,563 at 4% or $61,042 at 6%. |
| PAUL SPINKA, M.D. MONEY PURCHASE PENSION PLAN | - | 4 | $156,460 | $49,777 | $12,444iApproximate average salary by contribution assumption: employee only about $311,106 at 4% or $207,404 at 6%; with 50% employer match about $207,404 at 4% or $138,269 at 6%; with 100% employer match about $155,553 at 4% or $103,702 at 6%. |
| 2004 | 3 | 4 | $893,290 | $205,902 | $51,476iApproximate average salary by contribution assumption: employee only about $1,286,888 at 4% or $857,925 at 6%; with 50% employer match about $857,925 at 4% or $571,950 at 6%; with 100% employer match about $643,444 at 4% or $428,963 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $421,228 | $131,370 | $32,843iApproximate average salary by contribution assumption: employee only about $821,063 at 4% or $547,375 at 6%; with 50% employer match about $547,375 at 4% or $364,917 at 6%; with 100% employer match about $410,531 at 4% or $273,688 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $374,796 | $26,900 | $6,725iApproximate average salary by contribution assumption: employee only about $168,125 at 4% or $112,083 at 6%; with 50% employer match about $112,083 at 4% or $74,722 at 6%; with 100% employer match about $84,063 at 4% or $56,042 at 6%. |
| PAUL SPINKA MD MONEY PURCHASE PENSION PLAN | - | 4 | $97,266 | $47,632 | $11,908iApproximate average salary by contribution assumption: employee only about $297,700 at 4% or $198,467 at 6%; with 50% employer match about $198,467 at 4% or $132,311 at 6%; with 100% employer match about $148,850 at 4% or $99,233 at 6%. |
| 2003 | 3 | 4 | $629,242 | $191,863 | $47,966iApproximate average salary by contribution assumption: employee only about $1,199,144 at 4% or $799,429 at 6%; with 50% employer match about $799,429 at 4% or $532,953 at 6%; with 100% employer match about $599,572 at 4% or $399,715 at 6%. |
| Paul J. Spinka, M.D. Schwab Profit Sharing Plan | - | 4 | $318,829 | $24,000 | $6,000iApproximate average salary by contribution assumption: employee only about $150,000 at 4% or $100,000 at 6%; with 50% employer match about $100,000 at 4% or $66,667 at 6%; with 100% employer match about $75,000 at 4% or $50,000 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 4 | $264,862 | $122,312 | $30,578iApproximate average salary by contribution assumption: employee only about $764,450 at 4% or $509,633 at 6%; with 50% employer match about $509,633 at 4% or $339,756 at 6%; with 100% employer match about $382,225 at 4% or $254,817 at 6%. |
| PAUL SPINKA MD MONEY PURCHASE PENSION PLAN | - | 4 | $45,551 | $45,551 | $11,388iApproximate average salary by contribution assumption: employee only about $284,694 at 4% or $189,796 at 6%; with 50% employer match about $189,796 at 4% or $126,531 at 6%; with 100% employer match about $142,347 at 4% or $94,898 at 6%. |
| 2002 | 2 | 5 | $343,169 | $178,379 | $35,676iApproximate average salary by contribution assumption: employee only about $891,895 at 4% or $594,597 at 6%; with 50% employer match about $594,597 at 4% or $396,398 at 6%; with 100% employer match about $445,948 at 4% or $297,298 at 6%. |
| Paul J. Spinka, M.D. Schwab Profit Sharing Plan | - | 5 | $231,324 | $66,534 | $13,307iApproximate average salary by contribution assumption: employee only about $332,670 at 4% or $221,780 at 6%; with 50% employer match about $221,780 at 4% or $147,853 at 6%; with 100% employer match about $166,335 at 4% or $110,890 at 6%. |
| Paul Spinka, M.D. Defined Benefit Pension Plan | - | 5 | $111,845 | $111,845 | $22,369iApproximate average salary by contribution assumption: employee only about $559,225 at 4% or $372,817 at 6%; with 50% employer match about $372,817 at 4% or $248,544 at 6%; with 100% employer match about $279,613 at 4% or $186,408 at 6%. |
| 2001 | 1 | 3 | $197,905 | $39,987 | $13,329iApproximate average salary by contribution assumption: employee only about $333,225 at 4% or $222,150 at 6%; with 50% employer match about $222,150 at 4% or $148,100 at 6%; with 100% employer match about $166,613 at 4% or $111,075 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 3 | $197,905 | $39,987 | $13,329iApproximate average salary by contribution assumption: employee only about $333,225 at 4% or $222,150 at 6%; with 50% employer match about $222,150 at 4% or $148,100 at 6%; with 100% employer match about $166,613 at 4% or $111,075 at 6%. |
| 2000 | 3 | 4 | $182,511 | $34,611 | $8,653iApproximate average salary by contribution assumption: employee only about $216,319 at 4% or $144,213 at 6%; with 50% employer match about $144,213 at 4% or $96,142 at 6%; with 100% employer match about $108,159 at 4% or $72,106 at 6%. |
| Paul Spinka, M.D. 401K Profit Sharing Plan | - | 4 | $182,511 | $34,611 | $8,653iApproximate average salary by contribution assumption: employee only about $216,319 at 4% or $144,213 at 6%; with 50% employer match about $144,213 at 4% or $96,142 at 6%; with 100% employer match about $108,159 at 4% or $72,106 at 6%. |
| Paul J. Spinka, M.D. Schwab Profit Sharing Plan | - | 0 | - | - | - |
| Paul J. Spinka, M.D. Schwab Money Purchase Pension Plan | - | 0 | - | - | - |
| 1999 | 2 | 4 | $146,504 | $36,625 | $9,156iApproximate average salary by contribution assumption: employee only about $228,906 at 4% or $152,604 at 6%; with 50% employer match about $152,604 at 4% or $101,736 at 6%; with 100% employer match about $114,453 at 4% or $76,302 at 6%. |
| Paul J. Spinka, M.D. Schwab Money Purchase Pension Plan | - | 4 | $74,875 | $19,533 | $4,883iApproximate average salary by contribution assumption: employee only about $122,081 at 4% or $81,388 at 6%; with 50% employer match about $81,388 at 4% or $54,258 at 6%; with 100% employer match about $61,041 at 4% or $40,694 at 6%. |
| Paul J. Spinka, M.D. Schwab Profit Sharing Plan | - | 4 | $71,629 | $17,092 | $4,273iApproximate average salary by contribution assumption: employee only about $106,825 at 4% or $71,217 at 6%; with 50% employer match about $71,217 at 4% or $47,478 at 6%; with 100% employer match about $53,413 at 4% or $35,608 at 6%. |