BONNIE BRAE RETIREMENT PLAN Contribution & Employer Match

BONNIE BRAE RETIREMENT PLAN Average Participant Retirement Account Value

BONNIE BRAE RETIREMENT PLAN Estimated Average Employee Contribution Amount

• Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
• Participants who have attained age 50 before the end of the plan year, as well as participants who have worked for the Organization for at least 15 years, are eligible to make catch-up contributions.
• The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
• Automatically enrolled participants have their deferral rate set at 2% of eligible compensation.

• The Organization contributes a discretionary match of 100% of the first 2% of base compensation that a participant contributes to the Plan.
• Additional discretionary amounts may be contributed by the Organization, equal to a percentage of the participant’s compensation for the plan year, plus an additional percentage, not to exceed the lesser of 5.7% or 100% of the base contribution percentage of each participant’s compensation in excess of the social security wage limit ($168,600 for 2024).
• For the year ended December 31, 2024, the Organization made a discretionary contribution of 5% of each eligible participant’s compensation.

• Vesting schedule:
• Less than 2 years: 0%