Civic Intelligence

Betts Spring Company

Plan context: Betts Spring Company 401K Plan

EIN 94-0322450 • Fresno, CA • 89 filings • 21 plans

2843 S Maple AveFresno, CA 93725-2217
Current Snapshot

Latest Year

2024

2024 Participants

282

2024 Assets

$18,884,496

2024 Contributions

$2,010,442

Historical Graphs

Total Assets Over Time

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

$18,884,496$9,442,248$0199920122024YearValue
$18,884,496Latest year 2024

Participants Over Time

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

3151580199920122024YearValue
282Latest 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
20242282$18,884,496$2,010,442$7,129iApproximate average salary by contribution assumption: employee only about $178,231 at 4% or $118,820 at 6%; with 50% employer match about $118,820 at 4% or $79,214 at 6%; with 100% employer match about $89,115 at 4% or $59,410 at 6%.
Betts Spring Company 401K Plan-220$18,884,496$2,010,442$9,138iApproximate average salary by contribution assumption: employee only about $228,459 at 4% or $152,306 at 6%; with 50% employer match about $152,306 at 4% or $101,537 at 6%; with 100% employer match about $114,230 at 4% or $76,153 at 6%.
Betts Company Welfare Benefits Plan-282---
20232315$16,663,185$1,397,820$4,438iApproximate average salary by contribution assumption: employee only about $110,938 at 4% or $73,959 at 6%; with 50% employer match about $73,959 at 4% or $49,306 at 6%; with 100% employer match about $55,469 at 4% or $36,979 at 6%.
Betts Spring Company 401K Plan-315$16,663,185$1,397,820$4,438iApproximate average salary by contribution assumption: employee only about $110,938 at 4% or $73,959 at 6%; with 50% employer match about $73,959 at 4% or $49,306 at 6%; with 100% employer match about $55,469 at 4% or $36,979 at 6%.
Betts Company Welfare Benefits Plan-305---
20223315$14,041,639$2,303,654$7,313iApproximate average salary by contribution assumption: employee only about $182,830 at 4% or $121,886 at 6%; with 50% employer match about $121,886 at 4% or $81,258 at 6%; with 100% employer match about $91,415 at 4% or $60,943 at 6%.
Betts Spring Company 401K Plan-315$14,041,639$1,639,320$5,204iApproximate average salary by contribution assumption: employee only about $130,105 at 4% or $86,737 at 6%; with 50% employer match about $86,737 at 4% or $57,824 at 6%; with 100% employer match about $65,052 at 4% or $43,368 at 6%.
Betts Company Welfare Benefits Plan-306---
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-0$0$664,334-
20213286$16,403,015$1,217,163$4,256iApproximate average salary by contribution assumption: employee only about $106,395 at 4% or $70,930 at 6%; with 50% employer match about $70,930 at 4% or $47,287 at 6%; with 100% employer match about $53,198 at 4% or $35,465 at 6%.
Betts Spring Company 401K Plan-264$15,916,870$1,132,101$4,288iApproximate average salary by contribution assumption: employee only about $107,207 at 4% or $71,471 at 6%; with 50% employer match about $71,471 at 4% or $47,647 at 6%; with 100% employer match about $53,603 at 4% or $35,736 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-34$486,145$85,062$2,502iApproximate average salary by contribution assumption: employee only about $62,546 at 4% or $41,697 at 6%; with 50% employer match about $41,697 at 4% or $27,798 at 6%; with 100% employer match about $31,273 at 4% or $20,849 at 6%.
Betts Company Welfare Benefits Plan-286---
20203215$16,011,481$1,235,463$5,746iApproximate average salary by contribution assumption: employee only about $143,658 at 4% or $95,772 at 6%; with 50% employer match about $95,772 at 4% or $63,848 at 6%; with 100% employer match about $71,829 at 4% or $47,886 at 6%.
Betts Spring Company 401K Plan-205$15,115,818$1,115,887$5,443iApproximate average salary by contribution assumption: employee only about $136,084 at 4% or $90,723 at 6%; with 50% employer match about $90,723 at 4% or $60,482 at 6%; with 100% employer match about $68,042 at 4% or $45,361 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-43$895,663$119,576$2,781iApproximate average salary by contribution assumption: employee only about $69,521 at 4% or $46,347 at 6%; with 50% employer match about $46,347 at 4% or $30,898 at 6%; with 100% employer match about $34,760 at 4% or $23,174 at 6%.
Betts Company Welfare Benefits Plan-215---
20193253$14,318,818$1,055,411$4,172iApproximate average salary by contribution assumption: employee only about $104,290 at 4% or $69,526 at 6%; with 50% employer match about $69,526 at 4% or $46,351 at 6%; with 100% employer match about $52,145 at 4% or $34,763 at 6%.
Betts Spring Company 401K Plan-246$13,407,004$928,519$3,774iApproximate average salary by contribution assumption: employee only about $94,362 at 4% or $62,908 at 6%; with 50% employer match about $62,908 at 4% or $41,939 at 6%; with 100% employer match about $47,181 at 4% or $31,454 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-46$911,814$126,892$2,759iApproximate average salary by contribution assumption: employee only about $68,963 at 4% or $45,975 at 6%; with 50% employer match about $45,975 at 4% or $30,650 at 6%; with 100% employer match about $34,482 at 4% or $22,988 at 6%.
Betts Company Welfare Benefits Plan-253---
20183248$12,499,570$1,310,938$5,286iApproximate average salary by contribution assumption: employee only about $132,151 at 4% or $88,101 at 6%; with 50% employer match about $88,101 at 4% or $58,734 at 6%; with 100% employer match about $66,076 at 4% or $44,050 at 6%.
Betts Spring Company 401K Plan-248$11,517,065$1,195,041$4,819iApproximate average salary by contribution assumption: employee only about $120,468 at 4% or $80,312 at 6%; with 50% employer match about $80,312 at 4% or $53,541 at 6%; with 100% employer match about $60,234 at 4% or $40,156 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-51$982,505$115,897$2,272iApproximate average salary by contribution assumption: employee only about $56,812 at 4% or $37,875 at 6%; with 50% employer match about $37,875 at 4% or $25,250 at 6%; with 100% employer match about $28,406 at 4% or $18,937 at 6%.
Betts Company Welfare Benefits Plan-246---
20173245$13,076,324$1,062,597$4,337iApproximate average salary by contribution assumption: employee only about $108,428 at 4% or $72,286 at 6%; with 50% employer match about $72,286 at 4% or $48,190 at 6%; with 100% employer match about $54,214 at 4% or $36,143 at 6%.
Betts Spring Company 401K Plan-236$12,105,648$1,003,291$4,251iApproximate average salary by contribution assumption: employee only about $106,281 at 4% or $70,854 at 6%; with 50% employer match about $70,854 at 4% or $47,236 at 6%; with 100% employer match about $53,140 at 4% or $35,427 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-54$970,676$59,306$1,098iApproximate average salary by contribution assumption: employee only about $27,456 at 4% or $18,304 at 6%; with 50% employer match about $18,304 at 4% or $12,203 at 6%; with 100% employer match about $13,728 at 4% or $9,152 at 6%.
Betts Company Welfare Benefits Plan-245---
20163251$11,640,934$944,406$3,763iApproximate average salary by contribution assumption: employee only about $94,064 at 4% or $62,710 at 6%; with 50% employer match about $62,710 at 4% or $41,806 at 6%; with 100% employer match about $47,032 at 4% or $31,355 at 6%.
Betts Spring Company 401K Plan-251$10,672,321$898,811$3,581iApproximate average salary by contribution assumption: employee only about $89,523 at 4% or $59,682 at 6%; with 50% employer match about $59,682 at 4% or $39,788 at 6%; with 100% employer match about $44,762 at 4% or $29,841 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-55$968,613$45,595$829iApproximate average salary by contribution assumption: employee only about $20,725 at 4% or $13,817 at 6%; with 50% employer match about $13,817 at 4% or $9,211 at 6%; with 100% employer match about $10,363 at 4% or $6,908 at 6%.
Betts Company Welfare Benefits Plan-245---
20153257$10,560,341$830,358$3,231iApproximate average salary by contribution assumption: employee only about $80,774 at 4% or $53,849 at 6%; with 50% employer match about $53,849 at 4% or $35,900 at 6%; with 100% employer match about $40,387 at 4% or $26,925 at 6%.
Betts Spring Company 401K Plan-257$9,669,852$790,654$3,076iApproximate average salary by contribution assumption: employee only about $76,912 at 4% or $51,275 at 6%; with 50% employer match about $51,275 at 4% or $34,183 at 6%; with 100% employer match about $38,456 at 4% or $25,637 at 6%.
BETTS COMPANY DEFINED BENEFIT PENSION PLAN-56$890,489$39,704$709iApproximate average salary by contribution assumption: employee only about $17,725 at 4% or $11,817 at 6%; with 50% employer match about $11,817 at 4% or $7,878 at 6%; with 100% employer match about $8,863 at 4% or $5,908 at 6%.
Betts Company Welfare Benefits Plan-250---
20143244$9,925,045$786,287$3,222iApproximate average salary by contribution assumption: employee only about $80,562 at 4% or $53,708 at 6%; with 50% employer match about $53,708 at 4% or $35,805 at 6%; with 100% employer match about $40,281 at 4% or $26,854 at 6%.
Betts Spring Company 401K Plan-244$9,024,408$786,287$3,222iApproximate average salary by contribution assumption: employee only about $80,562 at 4% or $53,708 at 6%; with 50% employer match about $53,708 at 4% or $35,805 at 6%; with 100% employer match about $40,281 at 4% or $26,854 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-57$900,637$0-
Betts Company Welfare Benefits Plan-242---
20133233$9,063,901$625,700$2,685iApproximate average salary by contribution assumption: employee only about $67,135 at 4% or $44,757 at 6%; with 50% employer match about $44,757 at 4% or $29,838 at 6%; with 100% employer match about $33,568 at 4% or $22,378 at 6%.
Betts Spring Company 401K Plan-221$7,921,416$593,294$2,685iApproximate average salary by contribution assumption: employee only about $67,115 at 4% or $44,743 at 6%; with 50% employer match about $44,743 at 4% or $29,829 at 6%; with 100% employer match about $33,557 at 4% or $22,372 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-60$1,142,485$32,406$540iApproximate average salary by contribution assumption: employee only about $13,503 at 4% or $9,002 at 6%; with 50% employer match about $9,002 at 4% or $6,001 at 6%; with 100% employer match about $6,751 at 4% or $4,501 at 6%.
Betts Company Welfare Benefits Plan-233---
20123217$7,676,797$642,096$2,959iApproximate average salary by contribution assumption: employee only about $73,974 at 4% or $49,316 at 6%; with 50% employer match about $49,316 at 4% or $32,877 at 6%; with 100% employer match about $36,987 at 4% or $24,658 at 6%.
Betts Spring Company 401K Plan-217$6,679,481$634,471$2,924iApproximate average salary by contribution assumption: employee only about $73,096 at 4% or $48,730 at 6%; with 50% employer match about $48,730 at 4% or $32,487 at 6%; with 100% employer match about $36,548 at 4% or $24,365 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-62$997,316$7,625$123iApproximate average salary by contribution assumption: employee only about $3,075 at 4% or $2,050 at 6%; with 50% employer match about $2,050 at 4% or $1,366 at 6%; with 100% employer match about $1,537 at 4% or $1,025 at 6%.
Betts Company Welfare Benefits Plan-206---
20113205$7,008,638$483,391$2,358iApproximate average salary by contribution assumption: employee only about $58,950 at 4% or $39,300 at 6%; with 50% employer match about $39,300 at 4% or $26,200 at 6%; with 100% employer match about $29,475 at 4% or $19,650 at 6%.
Betts Spring Company 401K Plan-205$5,895,921$450,493$2,198iApproximate average salary by contribution assumption: employee only about $54,938 at 4% or $36,625 at 6%; with 50% employer match about $36,625 at 4% or $24,417 at 6%; with 100% employer match about $27,469 at 4% or $18,313 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-0$1,112,717$32,898-
Betts Company Welfare Benefits Plan-196---
20104186$7,038,712$441,818$2,375iApproximate average salary by contribution assumption: employee only about $59,384 at 4% or $39,589 at 6%; with 50% employer match about $39,589 at 4% or $26,393 at 6%; with 100% employer match about $29,692 at 4% or $19,795 at 6%.
Betts Spring Company 401K Plan-186$5,794,225$438,428$2,357iApproximate average salary by contribution assumption: employee only about $58,928 at 4% or $39,286 at 6%; with 50% employer match about $39,286 at 4% or $26,190 at 6%; with 100% employer match about $29,464 at 4% or $19,643 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-0$1,244,487$0-
BETTS SPRING COMPANY, INC. 401(K) PLAN FOR UNION EMPLOYEES-0$0$3,390-
Betts Company Welfare Benefits Plan-186---
20095196$6,346,290$545,255$2,782iApproximate average salary by contribution assumption: employee only about $69,548 at 4% or $46,365 at 6%; with 50% employer match about $46,365 at 4% or $30,910 at 6%; with 100% employer match about $34,774 at 4% or $23,183 at 6%.
Betts Spring Company 401K Plan-196$4,944,801$508,276$2,593iApproximate average salary by contribution assumption: employee only about $64,831 at 4% or $43,221 at 6%; with 50% employer match about $43,221 at 4% or $28,814 at 6%; with 100% employer match about $32,416 at 4% or $21,610 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-0$1,184,423$11,624-
BETTS SPRING COMPANY, INC. 401(K) PLAN FOR UNION EMPLOYEES-9$217,066$25,355$2,817iApproximate average salary by contribution assumption: employee only about $70,431 at 4% or $46,954 at 6%; with 50% employer match about $46,954 at 4% or $31,302 at 6%; with 100% employer match about $35,215 at 4% or $23,477 at 6%.
Betts Spring Co Profit-Sharing Trust-0---
Betts Company Welfare Benefits Plan-170---
20084180$4,441,475$662,850$3,683iApproximate average salary by contribution assumption: employee only about $92,063 at 4% or $61,375 at 6%; with 50% employer match about $61,375 at 4% or $40,917 at 6%; with 100% employer match about $46,031 at 4% or $30,688 at 6%.
Betts Spring Company 401K Plan-180$3,724,049$544,336$3,024iApproximate average salary by contribution assumption: employee only about $75,602 at 4% or $50,401 at 6%; with 50% employer match about $50,401 at 4% or $33,601 at 6%; with 100% employer match about $37,801 at 4% or $25,201 at 6%.
BETTS SPRING COMPANY, INC. 401K P LAN FOR UNION EMPLOYEES-38$717,426$118,514$3,119iApproximate average salary by contribution assumption: employee only about $77,970 at 4% or $51,980 at 6%; with 50% employer match about $51,980 at 4% or $34,653 at 6%; with 100% employer match about $38,985 at 4% or $25,990 at 6%.
BETTS SPRING COMPANY INC RETIREMENT PLAN-8---
Betts Company Welfare Benefits Plan-179---
20073203$0$0-
Betts Company Welfare Benefits Plan-171---
BETTS SPRING COMPANY, INC. 401K PLAN FOR UNION EMPLOYEES-45---
Betts Spring Company 401K Plan-203---
20065216$7,017,340$847,817$3,925iApproximate average salary by contribution assumption: employee only about $98,127 at 4% or $65,418 at 6%; with 50% employer match about $65,418 at 4% or $43,612 at 6%; with 100% employer match about $49,063 at 4% or $32,709 at 6%.
Betts Spring Company 401K Plan-184$4,925,887$592,782$3,222iApproximate average salary by contribution assumption: employee only about $80,541 at 4% or $53,694 at 6%; with 50% employer match about $53,694 at 4% or $35,796 at 6%; with 100% employer match about $40,271 at 4% or $26,847 at 6%.
BETTS SPRING COMPANY, INC. RETIREMENT PLAN-54$1,099,907$116,888$2,165iApproximate average salary by contribution assumption: employee only about $54,115 at 4% or $36,077 at 6%; with 50% employer match about $36,077 at 4% or $24,051 at 6%; with 100% employer match about $27,057 at 4% or $18,038 at 6%.
BETTS SPRING COMPANY, INC. 401K P LAN FOR UNION EMPLOYEES-47$991,546$138,147$2,939iApproximate average salary by contribution assumption: employee only about $73,482 at 4% or $48,988 at 6%; with 50% employer match about $48,988 at 4% or $32,659 at 6%; with 100% employer match about $36,741 at 4% or $24,494 at 6%.
Betts Company Welfare Benefits Plan-216---
Betts Spring Co Profit-Sharing Trust-111---
20054200$5,414,040$387,918$1,940iApproximate average salary by contribution assumption: employee only about $48,490 at 4% or $32,327 at 6%; with 50% employer match about $32,327 at 4% or $21,551 at 6%; with 100% employer match about $24,245 at 4% or $16,163 at 6%.
Betts Spring Co Profit-Sharing Trust-118$2,971,001--
Betts Spring Company 401K Plan-117$1,695,933$266,998$2,282iApproximate average salary by contribution assumption: employee only about $57,051 at 4% or $38,034 at 6%; with 50% employer match about $38,034 at 4% or $25,356 at 6%; with 100% employer match about $28,525 at 4% or $19,017 at 6%.
BETTS SPRING CO. 401K PLAN FOR UNION EMPLOYEES-44$747,106$120,920$2,748iApproximate average salary by contribution assumption: employee only about $68,705 at 4% or $45,803 at 6%; with 50% employer match about $45,803 at 4% or $30,535 at 6%; with 100% employer match about $34,352 at 4% or $22,902 at 6%.
Betts Company Welfare Benefits Plan-200---
20044198$5,329,613$578,480$2,922iApproximate average salary by contribution assumption: employee only about $73,040 at 4% or $48,694 at 6%; with 50% employer match about $48,694 at 4% or $32,462 at 6%; with 100% employer match about $36,520 at 4% or $24,347 at 6%.
Betts Spring Co Profit-Sharing Trust-113$3,338,513$161,313$1,428iApproximate average salary by contribution assumption: employee only about $35,689 at 4% or $23,792 at 6%; with 50% employer match about $23,792 at 4% or $15,862 at 6%; with 100% employer match about $17,844 at 4% or $11,896 at 6%.
Betts Spring Company 401K Plan-110$1,360,177$283,159$2,574iApproximate average salary by contribution assumption: employee only about $64,354 at 4% or $42,903 at 6%; with 50% employer match about $42,903 at 4% or $28,602 at 6%; with 100% employer match about $32,177 at 4% or $21,451 at 6%.
BETTS SPRING CO. 401K PLAN FOR UNION EES-52$630,923$134,008$2,577iApproximate average salary by contribution assumption: employee only about $64,427 at 4% or $42,951 at 6%; with 50% employer match about $42,951 at 4% or $28,634 at 6%; with 100% employer match about $32,213 at 4% or $21,476 at 6%.
Betts Company Welfare Benefits Plan-198---
20035180$5,035,871$482,573$2,681iApproximate average salary by contribution assumption: employee only about $67,024 at 4% or $44,683 at 6%; with 50% employer match about $44,683 at 4% or $29,788 at 6%; with 100% employer match about $33,512 at 4% or $22,341 at 6%.
Betts Spring Co Profit-Sharing Trust-114$3,522,554$113,698$997iApproximate average salary by contribution assumption: employee only about $24,934 at 4% or $16,623 at 6%; with 50% employer match about $16,623 at 4% or $11,082 at 6%; with 100% employer match about $12,467 at 4% or $8,311 at 6%.
Betts Spring Company 401K Plan-117$1,063,400$263,555$2,253iApproximate average salary by contribution assumption: employee only about $56,315 at 4% or $37,543 at 6%; with 50% employer match about $37,543 at 4% or $25,029 at 6%; with 100% employer match about $28,158 at 4% or $18,772 at 6%.
BETTS SPRING CO. 401K FOR UNION EMPLOYEES-53$449,917$105,320$1,987iApproximate average salary by contribution assumption: employee only about $49,679 at 4% or $33,119 at 6%; with 50% employer match about $33,119 at 4% or $22,080 at 6%; with 100% employer match about $24,840 at 4% or $16,560 at 6%.
BETTS SPRING COMPANY, INC. RETIREMENT PLAN-55---
Betts Company Welfare Benefits Plan-180---
20024199$3,221,241$129,564$651iApproximate average salary by contribution assumption: employee only about $16,277 at 4% or $10,851 at 6%; with 50% employer match about $10,851 at 4% or $7,234 at 6%; with 100% employer match about $8,138 at 4% or $5,426 at 6%.
Betts Spring Co Profit-Sharing Trust-115$2,953,796--
BETTS SPRING CO. 401K FOR UNION EMPLOYEES-3$267,445$129,564$43,188iApproximate average salary by contribution assumption: employee only about $1,079,700 at 4% or $719,800 at 6%; with 50% employer match about $719,800 at 4% or $479,867 at 6%; with 100% employer match about $539,850 at 4% or $359,900 at 6%.
BETTS SPRING COMPANY, INC. RETIREMENT PLAN-59---
Betts Company Welfare Benefits Plan-199---
20015164$3,534,813$0-
Betts Spring Co Profit-Sharing Trust-115$3,534,813--
BETTS SPRING CO. 401K FOR UNION EMPLOYEES-59---
Betts Company Welfare Benefits Plan-164---
BETTS SPRING COMPANY, INC. RETIREMENT PLAN-59---
Betts Spring Company 401K Plan-65---
20004108$5,778,944$515,215$4,771iApproximate average salary by contribution assumption: employee only about $119,263 at 4% or $79,508 at 6%; with 50% employer match about $79,508 at 4% or $53,006 at 6%; with 100% employer match about $59,631 at 4% or $39,754 at 6%.
Betts Spring Co Profit-Sharing Trust-108$4,426,548--
BETTS SPRING COMPANY, INC. RETIREMENT PLAN-62$824,287$83,631$1,349iApproximate average salary by contribution assumption: employee only about $33,722 at 4% or $22,481 at 6%; with 50% employer match about $22,481 at 4% or $14,988 at 6%; with 100% employer match about $16,861 at 4% or $11,241 at 6%.
Betts Spring Company 401K Plan-97$410,414$307,127$3,166iApproximate average salary by contribution assumption: employee only about $79,156 at 4% or $52,771 at 6%; with 50% employer match about $52,771 at 4% or $35,181 at 6%; with 100% employer match about $39,578 at 4% or $26,385 at 6%.
BETTS SPRING CO. 401K FOR UNION EMPLOYEES-60$117,695$124,457$2,074iApproximate average salary by contribution assumption: employee only about $51,857 at 4% or $34,571 at 6%; with 50% employer match about $34,571 at 4% or $23,048 at 6%; with 100% employer match about $25,929 at 4% or $17,286 at 6%.
19992106$4,963,022$375,310$3,541iApproximate average salary by contribution assumption: employee only about $88,517 at 4% or $59,011 at 6%; with 50% employer match about $59,011 at 4% or $39,341 at 6%; with 100% employer match about $44,258 at 4% or $29,506 at 6%.
Betts Spring Co Profit-Sharing Trust-106$4,829,909$262,260$2,474iApproximate average salary by contribution assumption: employee only about $61,854 at 4% or $41,236 at 6%; with 50% employer match about $41,236 at 4% or $27,491 at 6%; with 100% employer match about $30,927 at 4% or $20,618 at 6%.
Betts Spring Company 401K Plan-77$133,113$113,050$1,468iApproximate average salary by contribution assumption: employee only about $36,705 at 4% or $24,470 at 6%; with 50% employer match about $24,470 at 4% or $16,313 at 6%; with 100% employer match about $18,352 at 4% or $12,235 at 6%.