Civic Intelligence

CREATIVE ALTERNATIVES INC. DENTAL BENEFIT PLAN

Plan context: Creative Alternatives Inc Retirement Plan & Trust

EIN 94-2378380 • Turlock, CA • 152 filings • 34 plans

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2855 Geer RdTurlock, CA 95382-1133
Current Snapshot

Latest Year

2024

2024 Participants

155

2024 Assets

$17,704,789

2024 Contributions

$587,287

Historical Graphs

Total Assets Over Time

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

$20,019,326$10,009,663$0199920122023YearValue
$17,704,789Latest year 2023

Participants Over Time

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

3681840199920122024YearValue
155Latest 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
20244155$0$0-
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-155---
Creative Alternatives Inc. Group Vision Insurance Plan-100---
Creative Alternatives Inc. Dental Benefits Plan-101---
Creative Alternatives Inc. Group Health Insurance Plan-95---
20236199$17,704,789$587,287$2,951iApproximate average salary by contribution assumption: employee only about $73,780 at 4% or $49,187 at 6%; with 50% employer match about $49,187 at 4% or $32,791 at 6%; with 100% employer match about $36,890 at 4% or $24,593 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-199$9,177,787$242,698$1,220iApproximate average salary by contribution assumption: employee only about $30,490 at 4% or $20,326 at 6%; with 50% employer match about $20,326 at 4% or $13,551 at 6%; with 100% employer match about $15,245 at 4% or $10,163 at 6%.
Creative Alternatives Inc. Employee Savings Plan-199$8,527,002$344,589$1,732iApproximate average salary by contribution assumption: employee only about $43,290 at 4% or $28,860 at 6%; with 50% employer match about $28,860 at 4% or $19,240 at 6%; with 100% employer match about $21,645 at 4% or $14,430 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-173---
Creative Alternatives Inc. Dental Benefits Plan-111---
Creative Alternatives Inc. Group Vision Insurance Plan-108---
Creative Alternatives Inc. Group Health Insurance Plan-118---
20226204$16,201,458$521,831$2,558iApproximate average salary by contribution assumption: employee only about $63,950 at 4% or $42,633 at 6%; with 50% employer match about $42,633 at 4% or $28,422 at 6%; with 100% employer match about $31,975 at 4% or $21,317 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-204$8,426,667$228,074$1,118iApproximate average salary by contribution assumption: employee only about $27,950 at 4% or $18,633 at 6%; with 50% employer match about $18,633 at 4% or $12,422 at 6%; with 100% employer match about $13,975 at 4% or $9,317 at 6%.
Creative Alternatives Inc. Employee Savings Plan-181$7,774,791$293,757$1,623iApproximate average salary by contribution assumption: employee only about $40,574 at 4% or $27,049 at 6%; with 50% employer match about $27,049 at 4% or $18,033 at 6%; with 100% employer match about $20,287 at 4% or $13,525 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-158---
Creative Alternatives Inc. Dental Benefits Plan-115---
Creative Alternatives Inc. Group Vision Insurance Plan-104---
Creative Alternatives Inc. Group Health Insurance Plan-104---
20216204$16,407,545$699,326$3,428iApproximate average salary by contribution assumption: employee only about $85,702 at 4% or $57,134 at 6%; with 50% employer match about $57,134 at 4% or $38,090 at 6%; with 100% employer match about $42,851 at 4% or $28,567 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-204$8,817,679$237,912$1,166iApproximate average salary by contribution assumption: employee only about $29,156 at 4% or $19,437 at 6%; with 50% employer match about $19,437 at 4% or $12,958 at 6%; with 100% employer match about $14,578 at 4% or $9,719 at 6%.
Creative Alternatives Inc. Employee Savings Plan-177$7,589,866$461,414$2,607iApproximate average salary by contribution assumption: employee only about $65,171 at 4% or $43,448 at 6%; with 50% employer match about $43,448 at 4% or $28,965 at 6%; with 100% employer match about $32,586 at 4% or $21,724 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-181---
Creative Alternatives Inc. Dental Benefits Plan-133---
Creative Alternatives Inc. Group Health Insurance Plan-118---
Creative Alternatives Inc. Group Vision Insurance Plan-124---
20206249$20,019,326$1,271,884$5,108iApproximate average salary by contribution assumption: employee only about $127,699 at 4% or $85,133 at 6%; with 50% employer match about $85,133 at 4% or $56,755 at 6%; with 100% employer match about $63,850 at 4% or $42,566 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-205$10,633,306$256,237$1,250iApproximate average salary by contribution assumption: employee only about $31,248 at 4% or $20,832 at 6%; with 50% employer match about $20,832 at 4% or $13,888 at 6%; with 100% employer match about $15,624 at 4% or $10,416 at 6%.
Creative Alternatives Inc. Employee Savings Plan-241$9,386,020$1,015,647$4,214iApproximate average salary by contribution assumption: employee only about $105,358 at 4% or $70,238 at 6%; with 50% employer match about $70,238 at 4% or $46,826 at 6%; with 100% employer match about $52,679 at 4% or $35,119 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-179---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-249---
Creative Alternatives Inc. Group Vision Insurance Plan-149---
Creative Alternatives Inc. Group Health Insurance Plan-157---
20196252$15,989,723$903,041$3,583iApproximate average salary by contribution assumption: employee only about $89,587 at 4% or $59,725 at 6%; with 50% employer match about $59,725 at 4% or $39,817 at 6%; with 100% employer match about $44,794 at 4% or $29,862 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-216$8,785,386$285,802$1,323iApproximate average salary by contribution assumption: employee only about $33,079 at 4% or $22,053 at 6%; with 50% employer match about $22,053 at 4% or $14,702 at 6%; with 100% employer match about $16,539 at 4% or $11,026 at 6%.
Creative Alternatives Inc. Employee Savings Plan-243$7,204,337$617,239$2,540iApproximate average salary by contribution assumption: employee only about $63,502 at 4% or $42,335 at 6%; with 50% employer match about $42,335 at 4% or $28,223 at 6%; with 100% employer match about $31,751 at 4% or $21,167 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-252---
Creative Alternatives Inc. Dental Benefits Plan-193---
Creative Alternatives Inc. Group Health Insurance Plan-180---
Creative Alternatives Inc. Group Vision Insurance Plan-170---
20186341$15,405,254$895,332$2,626iApproximate average salary by contribution assumption: employee only about $65,640 at 4% or $43,760 at 6%; with 50% employer match about $43,760 at 4% or $29,173 at 6%; with 100% employer match about $32,820 at 4% or $21,880 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-271$8,505,477$262,828$970iApproximate average salary by contribution assumption: employee only about $24,246 at 4% or $16,164 at 6%; with 50% employer match about $16,164 at 4% or $10,776 at 6%; with 100% employer match about $12,123 at 4% or $8,082 at 6%.
Creative Alternatives Inc. Employee Savings Plan-311$6,899,777$632,504$2,034iApproximate average salary by contribution assumption: employee only about $50,844 at 4% or $33,896 at 6%; with 50% employer match about $33,896 at 4% or $22,597 at 6%; with 100% employer match about $25,422 at 4% or $16,948 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-233---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-341---
Creative Alternatives Inc. Group Vision Insurance Plan-198---
Creative Alternatives Inc. Group Health Insurance Plan-210---
20176358$14,556,444$839,609$2,345iApproximate average salary by contribution assumption: employee only about $58,632 at 4% or $39,088 at 6%; with 50% employer match about $39,088 at 4% or $26,059 at 6%; with 100% employer match about $29,316 at 4% or $19,544 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-256$8,318,201$251,310$982iApproximate average salary by contribution assumption: employee only about $24,542 at 4% or $16,361 at 6%; with 50% employer match about $16,361 at 4% or $10,908 at 6%; with 100% employer match about $12,271 at 4% or $8,181 at 6%.
Creative Alternatives Inc. Employee Savings Plan-358$6,238,243$588,299$1,643iApproximate average salary by contribution assumption: employee only about $41,082 at 4% or $27,388 at 6%; with 50% employer match about $27,388 at 4% or $18,259 at 6%; with 100% employer match about $20,541 at 4% or $13,694 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-322---
Creative Alternatives Inc. Dental Benefits Plan-207---
Creative Alternatives Inc. Group Health Insurance Plan-191---
Creative Alternatives Inc. Group Vision Insurance Plan-186---
20166368$14,171,946$688,601$1,871iApproximate average salary by contribution assumption: employee only about $46,780 at 4% or $31,187 at 6%; with 50% employer match about $31,187 at 4% or $20,791 at 6%; with 100% employer match about $23,390 at 4% or $15,593 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-225$8,405,764$226,555$1,007iApproximate average salary by contribution assumption: employee only about $25,173 at 4% or $16,782 at 6%; with 50% employer match about $16,782 at 4% or $11,188 at 6%; with 100% employer match about $12,586 at 4% or $8,391 at 6%.
Creative Alternatives Inc. Employee Savings Plan-368$5,766,182$462,046$1,256iApproximate average salary by contribution assumption: employee only about $31,389 at 4% or $20,926 at 6%; with 50% employer match about $20,926 at 4% or $13,951 at 6%; with 100% employer match about $15,694 at 4% or $10,463 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-308---
Creative Alternatives Inc. Dental Benefits Plan-212---
Creative Alternatives Inc. Group Health Insurance Plan-188---
Creative Alternatives Inc. Group Vision Insurance Plan-193---
20156296$12,541,185$719,623$2,431iApproximate average salary by contribution assumption: employee only about $60,779 at 4% or $40,519 at 6%; with 50% employer match about $40,519 at 4% or $27,013 at 6%; with 100% employer match about $30,389 at 4% or $20,260 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-213$7,625,754$283,101$1,329iApproximate average salary by contribution assumption: employee only about $33,228 at 4% or $22,152 at 6%; with 50% employer match about $22,152 at 4% or $14,768 at 6%; with 100% employer match about $16,614 at 4% or $11,076 at 6%.
Creative Alternatives Inc. Employee Savings Plan-296$4,915,431$436,522$1,475iApproximate average salary by contribution assumption: employee only about $36,868 at 4% or $24,579 at 6%; with 50% employer match about $24,579 at 4% or $16,386 at 6%; with 100% employer match about $18,434 at 4% or $12,289 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-253---
Creative Alternatives Inc. Dental Benefits Plan-187---
Creative Alternatives Inc. Group Health Insurance Plan-171---
Creative Alternatives Inc. Group Vision Insurance Plan-166---
20146329$12,173,914$915,165$2,782iApproximate average salary by contribution assumption: employee only about $69,541 at 4% or $46,361 at 6%; with 50% employer match about $46,361 at 4% or $30,907 at 6%; with 100% employer match about $34,771 at 4% or $23,180 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-224$7,572,557$445,783$1,990iApproximate average salary by contribution assumption: employee only about $49,753 at 4% or $33,168 at 6%; with 50% employer match about $33,168 at 4% or $22,112 at 6%; with 100% employer match about $24,876 at 4% or $16,584 at 6%.
Creative Alternatives Inc. Employee Savings Plan-329$4,601,357$469,382$1,427iApproximate average salary by contribution assumption: employee only about $35,667 at 4% or $23,778 at 6%; with 50% employer match about $23,778 at 4% or $15,852 at 6%; with 100% employer match about $17,834 at 4% or $11,889 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-260---
Creative Alternatives Inc. Dental Benefits Plan-187---
Creative Alternatives Inc. Group Vision Insurance Plan-180---
Creative Alternatives Inc. Group Health Insurance Plan-180---
20136295$11,661,541$771,714$2,616iApproximate average salary by contribution assumption: employee only about $65,399 at 4% or $43,600 at 6%; with 50% employer match about $43,600 at 4% or $29,066 at 6%; with 100% employer match about $32,700 at 4% or $21,800 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-239$7,340,042$412,522$1,726iApproximate average salary by contribution assumption: employee only about $43,151 at 4% or $28,767 at 6%; with 50% employer match about $28,767 at 4% or $19,178 at 6%; with 100% employer match about $21,575 at 4% or $14,384 at 6%.
Creative Alternatives Inc. Employee Savings Plan-295$4,321,499$359,192$1,218iApproximate average salary by contribution assumption: employee only about $30,440 at 4% or $20,293 at 6%; with 50% employer match about $20,293 at 4% or $13,529 at 6%; with 100% employer match about $15,220 at 4% or $10,147 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-248---
Creative Alternatives Inc. Group Vision Insurance Plan-169---
Creative Alternatives Inc. Dental Benefits Plan-172---
Creative Alternatives Inc. Group Health Insurance Plan-171---
20126244$9,954,277$737,747$3,024iApproximate average salary by contribution assumption: employee only about $75,589 at 4% or $50,393 at 6%; with 50% employer match about $50,393 at 4% or $33,595 at 6%; with 100% employer match about $37,794 at 4% or $25,196 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-218$6,313,289$388,428$1,782iApproximate average salary by contribution assumption: employee only about $44,544 at 4% or $29,696 at 6%; with 50% employer match about $29,696 at 4% or $19,798 at 6%; with 100% employer match about $22,272 at 4% or $14,848 at 6%.
Creative Alternatives Inc. Employee Savings Plan-224$3,640,988$349,319$1,559iApproximate average salary by contribution assumption: employee only about $38,986 at 4% or $25,991 at 6%; with 50% employer match about $25,991 at 4% or $17,327 at 6%; with 100% employer match about $19,493 at 4% or $12,995 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-244---
Creative Alternatives Inc. Dental Benefits Plan-142---
Creative Alternatives Inc. Group Vision Insurance Plan-149---
Creative Alternatives Inc. Group Health Insurance Plan-149---
20116219$8,858,894$644,656$2,944iApproximate average salary by contribution assumption: employee only about $73,591 at 4% or $49,061 at 6%; with 50% employer match about $49,061 at 4% or $32,707 at 6%; with 100% employer match about $36,795 at 4% or $24,530 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-208$5,684,659$360,289$1,732iApproximate average salary by contribution assumption: employee only about $43,304 at 4% or $28,869 at 6%; with 50% employer match about $28,869 at 4% or $19,246 at 6%; with 100% employer match about $21,652 at 4% or $14,435 at 6%.
Creative Alternatives Inc. Employee Savings Plan-159$3,174,235$284,367$1,788iApproximate average salary by contribution assumption: employee only about $44,712 at 4% or $29,808 at 6%; with 50% employer match about $29,808 at 4% or $19,872 at 6%; with 100% employer match about $22,356 at 4% or $14,904 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-219---
Creative Alternatives Inc. Dental Benefits Plan-142---
Creative Alternatives Inc. Group Vision Insurance Plan-145---
Creative Alternatives Inc. Group Health Insurance Plan-145---
20106219$8,492,612$158,295$723iApproximate average salary by contribution assumption: employee only about $18,070 at 4% or $12,047 at 6%; with 50% employer match about $12,047 at 4% or $8,031 at 6%; with 100% employer match about $9,035 at 4% or $6,023 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-205$5,483,287$3,988$19iApproximate average salary by contribution assumption: employee only about $486 at 4% or $324 at 6%; with 50% employer match about $324 at 4% or $216 at 6%; with 100% employer match about $243 at 4% or $162 at 6%.
Creative Alternatives Inc. Employee Savings Plan-160$3,009,325$154,307$964iApproximate average salary by contribution assumption: employee only about $24,110 at 4% or $16,074 at 6%; with 50% employer match about $16,074 at 4% or $10,716 at 6%; with 100% employer match about $12,055 at 4% or $8,037 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-144---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-219---
Creative Alternatives Inc. Group Vision Insurance Plan-140---
Creative Alternatives Inc. Group Health Insurance Plan-140---
20096211$7,397,704$505,145$2,394iApproximate average salary by contribution assumption: employee only about $59,851 at 4% or $39,901 at 6%; with 50% employer match about $39,901 at 4% or $26,601 at 6%; with 100% employer match about $29,926 at 4% or $19,950 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-204$4,854,737$267,072$1,309iApproximate average salary by contribution assumption: employee only about $32,729 at 4% or $21,820 at 6%; with 50% employer match about $21,820 at 4% or $14,546 at 6%; with 100% employer match about $16,365 at 4% or $10,910 at 6%.
Creative Alternatives Inc. Employee Savings Plan-162$2,542,967$238,073$1,470iApproximate average salary by contribution assumption: employee only about $36,740 at 4% or $24,493 at 6%; with 50% employer match about $24,493 at 4% or $16,329 at 6%; with 100% employer match about $18,370 at 4% or $12,247 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-134---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-211---
Creative Alternatives Inc. Group Vision Insurance Plan-143---
Creative Alternatives Inc. Group Health Insurance Plan-143---
20086240$4,358,415$694,246$2,893iApproximate average salary by contribution assumption: employee only about $72,317 at 4% or $48,212 at 6%; with 50% employer match about $48,212 at 4% or $32,141 at 6%; with 100% employer match about $36,159 at 4% or $24,106 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-240$4,358,415$694,246$2,893iApproximate average salary by contribution assumption: employee only about $72,317 at 4% or $48,212 at 6%; with 50% employer match about $48,212 at 4% or $32,141 at 6%; with 100% employer match about $36,159 at 4% or $24,106 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-141---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-218---
Creative Alternatives Inc. Employee Savings Plan-0---
Creative Alternatives Inc. Group Vision Insurance Plan-143---
Creative Alternatives Inc. Group Health Insurance Plan-143---
20076211$4,790,140$607,810$2,881iApproximate average salary by contribution assumption: employee only about $72,015 at 4% or $48,010 at 6%; with 50% employer match about $48,010 at 4% or $32,007 at 6%; with 100% employer match about $36,008 at 4% or $24,005 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-187$4,790,140$607,810$3,250iApproximate average salary by contribution assumption: employee only about $81,258 at 4% or $54,172 at 6%; with 50% employer match about $54,172 at 4% or $36,115 at 6%; with 100% employer match about $40,629 at 4% or $27,086 at 6%.
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-211---
Creative Alternatives Inc. Dental Benefits Plan-135---
Creative Alternatives Inc. Group Vision Insurance Plan-139---
Creative Alternatives Inc. Group Health Insurance Plan-139---
Creative Alternatives Inc. Employee Savings Plan-0---
20066234$4,670,178$576,130$2,462iApproximate average salary by contribution assumption: employee only about $61,552 at 4% or $41,035 at 6%; with 50% employer match about $41,035 at 4% or $27,357 at 6%; with 100% employer match about $30,776 at 4% or $20,517 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-183$4,670,178$576,130$3,148iApproximate average salary by contribution assumption: employee only about $78,706 at 4% or $52,471 at 6%; with 50% employer match about $52,471 at 4% or $34,981 at 6%; with 100% employer match about $39,353 at 4% or $26,235 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-129---
Creative Alternatives Inc. Group Health Insurance Plan-139---
Creative Alternatives Inc. Group Vision Insurance Plan-139---
Creative Alternatives Inc. Employee Savings Plan-0---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-234---
20056226$3,587,469$576,049$2,549iApproximate average salary by contribution assumption: employee only about $63,722 at 4% or $42,481 at 6%; with 50% employer match about $42,481 at 4% or $28,321 at 6%; with 100% employer match about $31,861 at 4% or $21,241 at 6%.
Creative Alternatives Inc Retirement Plan & Trust-169$3,587,469$576,049$3,409iApproximate average salary by contribution assumption: employee only about $85,214 at 4% or $56,810 at 6%; with 50% employer match about $56,810 at 4% or $37,873 at 6%; with 100% employer match about $42,607 at 4% or $28,405 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-131---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-226---
Creative Alternatives Inc. Employee Savings Plan-0---
Creative Alternatives Inc. Group Vision Insurance Plan-139---
Creative Alternatives Inc. Group Health Insurance Plan-139---
20045235$2,289,566$506,202$2,154iApproximate average salary by contribution assumption: employee only about $53,851 at 4% or $35,901 at 6%; with 50% employer match about $35,901 at 4% or $23,934 at 6%; with 100% employer match about $26,926 at 4% or $17,950 at 6%.
Creative Alternatives Inc. Dental Benefits Plan-135---
Creative Alternatives Inc. Life Insurance and Accidental Death and Dismemberment Plan-235---
20036248$2,273,927$512,261$2,066iApproximate average salary by contribution assumption: employee only about $51,639 at 4% or $34,426 at 6%; with 50% employer match about $34,426 at 4% or $22,951 at 6%; with 100% employer match about $25,820 at 4% or $17,213 at 6%.
20026206$1,573,865$388,516$1,886iApproximate average salary by contribution assumption: employee only about $47,150 at 4% or $31,433 at 6%; with 50% employer match about $31,433 at 4% or $20,956 at 6%; with 100% employer match about $23,575 at 4% or $15,717 at 6%.
20016203$0$0-
20006174$1,541,886$355,662$2,044iApproximate average salary by contribution assumption: employee only about $51,101 at 4% or $34,067 at 6%; with 50% employer match about $34,067 at 4% or $22,711 at 6%; with 100% employer match about $25,550 at 4% or $17,034 at 6%.
19995159$1,437,090$244,686$1,539iApproximate average salary by contribution assumption: employee only about $38,473 at 4% or $25,648 at 6%; with 50% employer match about $25,648 at 4% or $17,099 at 6%; with 100% employer match about $19,236 at 4% or $12,824 at 6%.