Civic Intelligence

Howard H. Osvold

Plan context: Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust

EIN 93-0818370 • Ashland, OR • 27 filings • 1 plans

PO Box 1119Ashland, OR 97520-0038
Current Snapshot

Latest Year

2025

2025 Participants

10

2025 Assets

$2,740,981

2025 Contributions

$190,015

Historical Graphs

Total Assets Over Time

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

$2,740,981$1,370,491$0199920132025YearValue
$2,740,981Latest year 2025

Participants Over Time

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

1370199920122025YearValue
10Latest 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
2025110$2,740,981$190,015$19,002iApproximate average salary by contribution assumption: employee only about $475,038 at 4% or $316,692 at 6%; with 50% employer match about $316,692 at 4% or $211,128 at 6%; with 100% employer match about $237,519 at 4% or $158,346 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$2,740,981$190,015$19,002iApproximate average salary by contribution assumption: employee only about $475,038 at 4% or $316,692 at 6%; with 50% employer match about $316,692 at 4% or $211,128 at 6%; with 100% employer match about $237,519 at 4% or $158,346 at 6%.
2024110$2,596,465$169,268$16,927iApproximate average salary by contribution assumption: employee only about $423,170 at 4% or $282,113 at 6%; with 50% employer match about $282,113 at 4% or $188,076 at 6%; with 100% employer match about $211,585 at 4% or $141,057 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$2,596,465$169,268$16,927iApproximate average salary by contribution assumption: employee only about $423,170 at 4% or $282,113 at 6%; with 50% employer match about $282,113 at 4% or $188,076 at 6%; with 100% employer match about $211,585 at 4% or $141,057 at 6%.
2023110$2,187,559$174,756$17,476iApproximate average salary by contribution assumption: employee only about $436,890 at 4% or $291,260 at 6%; with 50% employer match about $291,260 at 4% or $194,173 at 6%; with 100% employer match about $218,445 at 4% or $145,630 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$2,187,559$174,756$17,476iApproximate average salary by contribution assumption: employee only about $436,890 at 4% or $291,260 at 6%; with 50% employer match about $291,260 at 4% or $194,173 at 6%; with 100% employer match about $218,445 at 4% or $145,630 at 6%.
2022110$1,738,222$163,481$16,348iApproximate average salary by contribution assumption: employee only about $408,703 at 4% or $272,468 at 6%; with 50% employer match about $272,468 at 4% or $181,646 at 6%; with 100% employer match about $204,351 at 4% or $136,234 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$1,738,222$163,481$16,348iApproximate average salary by contribution assumption: employee only about $408,703 at 4% or $272,468 at 6%; with 50% employer match about $272,468 at 4% or $181,646 at 6%; with 100% employer match about $204,351 at 4% or $136,234 at 6%.
2021110$1,954,393$157,174$15,717iApproximate average salary by contribution assumption: employee only about $392,935 at 4% or $261,957 at 6%; with 50% employer match about $261,957 at 4% or $174,638 at 6%; with 100% employer match about $196,468 at 4% or $130,978 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$1,954,393$157,174$15,717iApproximate average salary by contribution assumption: employee only about $392,935 at 4% or $261,957 at 6%; with 50% employer match about $261,957 at 4% or $174,638 at 6%; with 100% employer match about $196,468 at 4% or $130,978 at 6%.
2020112$1,610,503$153,398$12,783iApproximate average salary by contribution assumption: employee only about $319,579 at 4% or $213,053 at 6%; with 50% employer match about $213,053 at 4% or $142,035 at 6%; with 100% employer match about $159,790 at 4% or $106,526 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-12$1,610,503$153,398$12,783iApproximate average salary by contribution assumption: employee only about $319,579 at 4% or $213,053 at 6%; with 50% employer match about $213,053 at 4% or $142,035 at 6%; with 100% employer match about $159,790 at 4% or $106,526 at 6%.
2019112$1,362,149$106,216$8,851iApproximate average salary by contribution assumption: employee only about $221,283 at 4% or $147,522 at 6%; with 50% employer match about $147,522 at 4% or $98,348 at 6%; with 100% employer match about $110,642 at 4% or $73,761 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-12$1,362,149$106,216$8,851iApproximate average salary by contribution assumption: employee only about $221,283 at 4% or $147,522 at 6%; with 50% employer match about $147,522 at 4% or $98,348 at 6%; with 100% employer match about $110,642 at 4% or $73,761 at 6%.
2018113$1,111,936$103,985$7,999iApproximate average salary by contribution assumption: employee only about $199,971 at 4% or $133,314 at 6%; with 50% employer match about $133,314 at 4% or $88,876 at 6%; with 100% employer match about $99,986 at 4% or $66,657 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-13$1,111,936$103,985$7,999iApproximate average salary by contribution assumption: employee only about $199,971 at 4% or $133,314 at 6%; with 50% employer match about $133,314 at 4% or $88,876 at 6%; with 100% employer match about $99,986 at 4% or $66,657 at 6%.
2017111$1,176,992$74,946$6,813iApproximate average salary by contribution assumption: employee only about $170,332 at 4% or $113,555 at 6%; with 50% employer match about $113,555 at 4% or $75,703 at 6%; with 100% employer match about $85,166 at 4% or $56,777 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-11$1,176,992$74,946$6,813iApproximate average salary by contribution assumption: employee only about $170,332 at 4% or $113,555 at 6%; with 50% employer match about $113,555 at 4% or $75,703 at 6%; with 100% employer match about $85,166 at 4% or $56,777 at 6%.
2016112$980,488$78,704$6,559iApproximate average salary by contribution assumption: employee only about $163,967 at 4% or $109,311 at 6%; with 50% employer match about $109,311 at 4% or $72,874 at 6%; with 100% employer match about $81,983 at 4% or $54,656 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-12$980,488$78,704$6,559iApproximate average salary by contribution assumption: employee only about $163,967 at 4% or $109,311 at 6%; with 50% employer match about $109,311 at 4% or $72,874 at 6%; with 100% employer match about $81,983 at 4% or $54,656 at 6%.
2015111$854,943$49,490$4,499iApproximate average salary by contribution assumption: employee only about $112,477 at 4% or $74,985 at 6%; with 50% employer match about $74,985 at 4% or $49,990 at 6%; with 100% employer match about $56,239 at 4% or $37,492 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-11$854,943$49,490$4,499iApproximate average salary by contribution assumption: employee only about $112,477 at 4% or $74,985 at 6%; with 50% employer match about $74,985 at 4% or $49,990 at 6%; with 100% employer match about $56,239 at 4% or $37,492 at 6%.
2014112$806,834$47,262$3,939iApproximate average salary by contribution assumption: employee only about $98,463 at 4% or $65,642 at 6%; with 50% employer match about $65,642 at 4% or $43,761 at 6%; with 100% employer match about $49,231 at 4% or $32,821 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-12$806,834$47,262$3,939iApproximate average salary by contribution assumption: employee only about $98,463 at 4% or $65,642 at 6%; with 50% employer match about $65,642 at 4% or $43,761 at 6%; with 100% employer match about $49,231 at 4% or $32,821 at 6%.
201319$727,194$44,865$4,985iApproximate average salary by contribution assumption: employee only about $124,625 at 4% or $83,083 at 6%; with 50% employer match about $83,083 at 4% or $55,389 at 6%; with 100% employer match about $62,313 at 4% or $41,542 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-9$727,194$44,865$4,985iApproximate average salary by contribution assumption: employee only about $124,625 at 4% or $83,083 at 6%; with 50% employer match about $83,083 at 4% or $55,389 at 6%; with 100% employer match about $62,313 at 4% or $41,542 at 6%.
2012110$659,659$41,380$4,138iApproximate average salary by contribution assumption: employee only about $103,450 at 4% or $68,967 at 6%; with 50% employer match about $68,967 at 4% or $45,978 at 6%; with 100% employer match about $51,725 at 4% or $34,483 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$659,659$41,380$4,138iApproximate average salary by contribution assumption: employee only about $103,450 at 4% or $68,967 at 6%; with 50% employer match about $68,967 at 4% or $45,978 at 6%; with 100% employer match about $51,725 at 4% or $34,483 at 6%.
201119$577,569$14,624$1,625iApproximate average salary by contribution assumption: employee only about $40,622 at 4% or $27,081 at 6%; with 50% employer match about $27,081 at 4% or $18,054 at 6%; with 100% employer match about $20,311 at 4% or $13,541 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-9$577,569$14,624$1,625iApproximate average salary by contribution assumption: employee only about $40,622 at 4% or $27,081 at 6%; with 50% employer match about $27,081 at 4% or $18,054 at 6%; with 100% employer match about $20,311 at 4% or $13,541 at 6%.
201019$574,958$0-
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-9$574,958--
2009112$544,892$0-
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-12$544,892$0-
2008110$478,330$22,000$2,200iApproximate average salary by contribution assumption: employee only about $55,000 at 4% or $36,667 at 6%; with 50% employer match about $36,667 at 4% or $24,444 at 6%; with 100% employer match about $27,500 at 4% or $18,333 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-10$478,330$22,000$2,200iApproximate average salary by contribution assumption: employee only about $55,000 at 4% or $36,667 at 6%; with 50% employer match about $36,667 at 4% or $24,444 at 6%; with 100% employer match about $27,500 at 4% or $18,333 at 6%.
200719$0$0-
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-9---
200619$493,255$115,254$12,806iApproximate average salary by contribution assumption: employee only about $320,150 at 4% or $213,433 at 6%; with 50% employer match about $213,433 at 4% or $142,289 at 6%; with 100% employer match about $160,075 at 4% or $106,717 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-9$493,255$115,254$12,806iApproximate average salary by contribution assumption: employee only about $320,150 at 4% or $213,433 at 6%; with 50% employer match about $213,433 at 4% or $142,289 at 6%; with 100% employer match about $160,075 at 4% or $106,717 at 6%.
200518$334,915$90,000$11,250iApproximate average salary by contribution assumption: employee only about $281,250 at 4% or $187,500 at 6%; with 50% employer match about $187,500 at 4% or $125,000 at 6%; with 100% employer match about $140,625 at 4% or $93,750 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-8$334,915$90,000$11,250iApproximate average salary by contribution assumption: employee only about $281,250 at 4% or $187,500 at 6%; with 50% employer match about $187,500 at 4% or $125,000 at 6%; with 100% employer match about $140,625 at 4% or $93,750 at 6%.
200417$236,584$81,853$11,693iApproximate average salary by contribution assumption: employee only about $292,332 at 4% or $194,888 at 6%; with 50% employer match about $194,888 at 4% or $129,925 at 6%; with 100% employer match about $146,166 at 4% or $97,444 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-7$236,584$81,853$11,693iApproximate average salary by contribution assumption: employee only about $292,332 at 4% or $194,888 at 6%; with 50% employer match about $194,888 at 4% or $129,925 at 6%; with 100% employer match about $146,166 at 4% or $97,444 at 6%.
200316$159,308$45,000$7,500iApproximate average salary by contribution assumption: employee only about $187,500 at 4% or $125,000 at 6%; with 50% employer match about $125,000 at 4% or $83,333 at 6%; with 100% employer match about $93,750 at 4% or $62,500 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-6$159,308$45,000$7,500iApproximate average salary by contribution assumption: employee only about $187,500 at 4% or $125,000 at 6%; with 50% employer match about $125,000 at 4% or $83,333 at 6%; with 100% employer match about $93,750 at 4% or $62,500 at 6%.
200217$96,117$18,499$2,643iApproximate average salary by contribution assumption: employee only about $66,068 at 4% or $44,045 at 6%; with 50% employer match about $44,045 at 4% or $29,363 at 6%; with 100% employer match about $33,034 at 4% or $22,023 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-7$96,117$18,499$2,643iApproximate average salary by contribution assumption: employee only about $66,068 at 4% or $44,045 at 6%; with 50% employer match about $44,045 at 4% or $29,363 at 6%; with 100% employer match about $33,034 at 4% or $22,023 at 6%.
200116$92,899$35,000$5,833iApproximate average salary by contribution assumption: employee only about $145,833 at 4% or $97,222 at 6%; with 50% employer match about $97,222 at 4% or $64,815 at 6%; with 100% employer match about $72,917 at 4% or $48,611 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-6$92,899$35,000$5,833iApproximate average salary by contribution assumption: employee only about $145,833 at 4% or $97,222 at 6%; with 50% employer match about $97,222 at 4% or $64,815 at 6%; with 100% employer match about $72,917 at 4% or $48,611 at 6%.
200017$63,108$22,000$3,143iApproximate average salary by contribution assumption: employee only about $78,571 at 4% or $52,381 at 6%; with 50% employer match about $52,381 at 4% or $34,921 at 6%; with 100% employer match about $39,286 at 4% or $26,190 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-7$63,108$22,000$3,143iApproximate average salary by contribution assumption: employee only about $78,571 at 4% or $52,381 at 6%; with 50% employer match about $52,381 at 4% or $34,921 at 6%; with 100% employer match about $39,286 at 4% or $26,190 at 6%.
199915$96,700$19,600$3,920iApproximate average salary by contribution assumption: employee only about $98,000 at 4% or $65,333 at 6%; with 50% employer match about $65,333 at 4% or $43,556 at 6%; with 100% employer match about $49,000 at 4% or $32,667 at 6%.
Howard H. Osvold DBA Aa Insulation 401K Profit Sharing Plan & Trust-5$96,700$19,600$3,920iApproximate average salary by contribution assumption: employee only about $98,000 at 4% or $65,333 at 6%; with 50% employer match about $65,333 at 4% or $43,556 at 6%; with 100% employer match about $49,000 at 4% or $32,667 at 6%.