* There are no guarantees
* 401(k) value assumes an average 7% return
* 401(k) match started January 2023
* 401(k) employee deferrals are always 100% vested, 401(k) match follows the vesting schedule
* 401(k) calculates your first year at a prorated rate based on your hire date
* End-of-year vesting assumes 1000 hours worked in the calendar year
* Merit increase is based on company budget assumptions
* This estimator is intended to assist in estimating the future value of your ESOP and 401(k) account, and it does not guarantee any future returns for the ESOP or 401(k) plan, benefit level percentages, future years of service, merit increases, contribution levels, stock price growth rate, changes to IRS annual compensation, or performance of the individual investments in the ESOP plan.