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Idiot's scenario (Assuming employee never gets promoted / or have significant salary increase)

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401K Contrib (Employer + Employee)

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Salary (rises 1% per year)Salary After 401K ContribPost-Fed Tax Salary401K Balance & growthAverage Rate

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AgeFees

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20201655000$13,200.00$50,600.00$43,010.00$13,926.007.00%1.50%

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21$55,550.00$13,332.00$51,106.00$43,440.10$28,757.197.00%1.50%

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22$56,105.50$11,221.10$51,617.06$43,874.50$42,177.107.00%1.50%

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23$56,666.56$10,199.98$52,133.23$44,313.25$55,257.827.00%1.50%

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24$57,233.22$10,301.98$52,654.56$44,756.38$69,165.587.00%1.50%

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25$57,805.55$10,405.00$53,181.11$45,203.94$83,946.967.00%1.50%

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26$58,383.61$10,509.05$53,712.92$45,655.98$99,651.107.00%1.50%

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27$58,967.44$10,614.14$54,250.05$46,112.54$116,329.827.00%1.50%

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28$59,557.12$10,720.28$54,792.55$46,573.67$134,037.867.00%1.50%

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29$60,152.69$10,827.48$55,340.47$47,039.40$152,832.947.00%1.50%

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30$60,754.22$10,935.76$55,893.88$47,509.80$172,775.987.00%1.50%

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31$61,361.76$11,045.12$56,452.82$47,984.90$193,931.257.00%1.50%

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32$61,975.38$11,155.57$57,017.35$48,464.74$216,366.607.00%1.50%

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33$62,595.13$11,267.12$57,587.52$48,949.39$240,153.577.00%1.50%

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34$63,221.08$11,379.79$58,163.40$49,438.89$265,367.707.00%1.50%

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35$63,853.29$11,493.59$58,745.03$49,933.27$292,088.677.00%1.50%

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36$64,491.83$11,608.53$59,332.48$50,432.61$320,400.547.00%1.50%

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37$65,136.74$11,724.61$59,925.80$50,936.93$350,392.047.00%1.50%

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38$65,788.11$11,841.86$60,525.06$51,446.30$382,156.767.00%1.50%

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39$66,445.99$11,960.28$61,130.31$51,960.77$415,793.487.00%1.50%

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40$67,110.45$12,079.88$61,741.62$52,480.37$451,406.407.00%1.50%

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41$67,781.56$12,200.68$62,359.03$53,005.18$489,105.477.00%1.50%

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42$68,459.37$12,322.69$62,982.62$53,535.23$529,006.707.00%1.50%

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43$69,143.97$12,445.91$63,612.45$54,070.58$571,232.517.00%1.50%

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44$69,835.41$12,570.37$64,248.57$54,611.29$615,912.047.00%1.50%

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45$70,533.76$12,696.08$64,891.06$55,157.40$663,181.567.00%1.50%

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46$71,239.10$12,823.04$65,539.97$55,708.97$713,184.857.00%1.50%

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47$71,951.49$12,951.27$66,195.37$56,266.06$766,073.617.00%1.50%

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48$72,671.00$13,080.78$66,857.32$56,828.72$822,007.887.00%1.50%

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49$73,397.71$13,211.59$67,525.90$57,397.01$881,156.547.00%1.50%

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50$74,131.69$13,343.70$68,201.16$57,970.98$943,697.767.00%1.50%

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51$74,873.01$13,477.14$68,883.17$58,550.69$1,009,819.527.00%1.50%

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52$75,621.74$13,611.91$69,572.00$59,136.20$1,079,720.167.00%1.50%

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53$76,377.95$13,748.03$70,267.72$59,727.56$1,153,608.947.00%1.50%

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54$77,141.73$13,885.51$70,970.40$60,324.84$1,231,706.657.00%1.50%

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55$77,913.15$14,024.37$71,680.10$60,928.08$1,314,246.227.00%1.50%

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56$78,692.28$14,164.61$72,396.90$61,537.37$1,401,473.437.00%1.50%

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57$79,479.21$14,306.26$73,120.87$62,152.74$1,493,647.577.00%1.50%

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58$80,274.00$14,449.32$73,852.08$62,774.27$1,591,042.227.00%1.50%

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59$81,076.74$14,593.81$74,590.60$63,402.01$1,693,946.017.00%1.50%

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60$81,887.51$14,739.75$75,336.50$64,036.03$1,802,663.487.00%1.50%

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61$82,706.38$14,887.15$76,089.87$64,676.39$1,917,515.917.00%1.50%

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62$83,533.44$15,036.02$76,850.77$65,323.15$2,038,842.297.00%1.50%

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63$84,368.78$15,186.38$77,619.28$65,976.38$2,167,000.257.00%1.50%

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64$85,212.47$15,338.24$78,395.47$66,636.15$2,302,367.117.00%1.50%

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WithdrawalSSRB

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65Retirement0$16,500 $2,000 $222,000.00$2,220,107.307.00%1.50%

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660$16,500 $2,000 $222,000.00$2,133,323.207.00%1.50%

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670$16,500 $2,000 $222,000.00$2,041,765.977.00%1.50%

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680$16,500 $2,000 $222,000.00$1,945,173.107.00%1.50%

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690$16,500 $2,000 $222,000.00$1,843,267.627.00%1.50%

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700$16,500 $2,000 $222,000.00$1,735,757.347.00%1.50%

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710$16,500 $2,000 $222,000.00$1,622,334.007.00%1.50%

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720$16,500 $2,000 $222,000.00$1,502,672.377.00%1.50%

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730$16,500 $2,000 $222,000.00$1,376,429.357.00%1.50%

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740$16,500 $2,000 $222,000.00$1,243,242.967.00%1.50%

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750$16,500 $2,000 $222,000.00$1,102,731.327.00%1.50%

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760$16,500 $2,000 $222,000.00$954,491.557.00%1.50%

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770$16,500 $2,000 $222,000.00$798,098.587.00%1.50%

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780$16,500 $2,000 $222,000.00$633,104.007.00%1.50%

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790$16,500 $2,000 $222,000.00$459,034.727.00%1.50%

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800$16,500 $2,000 $222,000.00$275,391.637.00%1.50%

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81Death0$16,500 $2,000 $222,000.00$81,648.177.00%1.50%