By increasing your annual plan contribution by 2.00% you may increase your final plan balance by $522,147 at an out-of-pocket cost of just $103,739.<table class='pure-table pure-table-bordered' role='grid'><tr><th class='section'>Comparison analysis</th><th scope="col">Current Course</th><th scope="col">Proposed Course</th></tr><tr><td role="rowheader" scope="row">Your contribution (as % of salary)</td><td>4.0%</td><td>6.0%</td></tr><tr><td role="rowheader" scope="row">Employer match (as % of contribution)</td><td>20.0%</td><td>20.0%</td></tr><tr><td role="rowheader" scope="row">Maximum match (as % of salary)</td><td>3.0%</td><td>3.0%</td></tr><tr><td role="rowheader" scope="row">Your cumulative contributions</td><td>$207,478</td><td>$311,218</td></tr><tr><td role="rowheader" scope="row">Employer cumulative contributions</td><td>$31,122</td><td>$31,122</td></tr><tr><td role="rowheader" scope="row">Total Value in Year 38 (includes projected balance, if any)</td><td>$1,200,939</td><td>$1,723,087</td></tr><tr><td role="rowheader" scope="row">Increase in value</td><td></td><td>$522,147</td></tr><tr><td role="rowheader" scope="row">Out-of-pocket 'cost'</td><td></td><td>$103,739</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "StackedColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' reverseLegend='1' caption='Retirement Plan Accumulation' xAxisName='Year' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /><category label='' /><category label='' /><category label='' /><category label='5' /><category label='' /><category label='' /><category label='' 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scope="row">2</td><td>3,090</td><td>464</td><td>448</td><td>1,545</td><td>0</td><td>195</td><td>10,898</td></tr><tr><td role="rowheader" scope="row">3</td><td>3,183</td><td>477</td><td>785</td><td>1,591</td><td>0</td><td>341</td><td>17,276</td></tr><tr><td role="rowheader" scope="row">4</td><td>3,278</td><td>492</td><td>1,160</td><td>1,639</td><td>0</td><td>504</td><td>24,350</td></tr><tr><td role="rowheader" scope="row">5</td><td>3,377</td><td>506</td><td>1,575</td><td>1,688</td><td>0</td><td>685</td><td>32,181</td></tr><tr><td role="rowheader" scope="row">6</td><td>3,478</td><td>522</td><td>2,034</td><td>1,739</td><td>0</td><td>884</td><td>40,837</td></tr><tr><td role="rowheader" scope="row">7</td><td>3,582</td><td>537</td><td>2,541</td><td>1,791</td><td>0</td><td>1,105</td><td>50,394</td></tr><tr><td role="rowheader" scope="row">8</td><td>3,690</td><td>553</td><td>3,101</td><td>1,845</td><td>0</td><td>1,348</td><td>60,930</td></tr><tr><td role="rowheader" scope="row">9</td><td>3,800</td><td>570</td><td>3,717</td><td>1,900</td><td>0</td><td>1,616</td><td>72,534</td></tr><tr><td role="rowheader" scope="row">10</td><td>3,914</td><td>587</td><td>4,396</td><td>1,957</td><td>0</td><td>1,911</td><td>85,299</td></tr><tr><td role="rowheader" scope="row">11</td><td>4,032</td><td>605</td><td>5,142</td><td>2,016</td><td>0</td><td>2,235</td><td>99,328</td></tr><tr><td role="rowheader" scope="row">12</td><td>4,153</td><td>623</td><td>5,961</td><td>2,076</td><td>0</td><td>2,592</td><td>114,733</td></tr><tr><td role="rowheader" scope="row">13</td><td>4,277</td><td>642</td><td>6,861</td><td>2,139</td><td>0</td><td>2,983</td><td>131,634</td></tr><tr><td role="rowheader" scope="row">14</td><td>4,406</td><td>661</td><td>7,847</td><td>2,203</td><td>0</td><td>3,412</td><td>150,163</td></tr><tr><td role="rowheader" scope="row">15</td><td>4,538</td><td>681</td><td>8,928</td><td>2,269</td><td>0</td><td>3,882</td><td>170,460</td></tr><tr><td role="rowheader" scope="row">16</td><td>4,674</td><td>701</td><td>10,112</td><td>2,337</td><td>0</td><td>4,397</td><td>192,680</td></tr><tr><td role="rowheader" scope="row">17</td><td>4,814</td><td>722</td><td>11,408</td><td>2,407</td><td>0</td><td>4,960</td><td>216,991</td></tr><tr><td role="rowheader" scope="row">18</td><td>4,959</td><td>744</td><td>12,825</td><td>2,479</td><td>0</td><td>5,576</td><td>243,573</td></tr><tr><td role="rowheader" scope="row">19</td><td>5,107</td><td>766</td><td>14,374</td><td>2,554</td><td>0</td><td>6,249</td><td>272,623</td></tr><tr><td role="rowheader" scope="row">20</td><td>5,261</td><td>789</td><td>16,066</td><td>2,630</td><td>0</td><td>6,985</td><td>304,354</td></tr><tr><td role="rowheader" scope="row">21</td><td>5,418</td><td>813</td><td>17,914</td><td>2,709</td><td>0</td><td>7,789</td><td>338,997</td></tr><tr><td role="rowheader" scope="row">22</td><td>5,581</td><td>837</td><td>19,931</td><td>2,790</td><td>0</td><td>8,666</td><td>376,803</td></tr><tr><td role="rowheader" scope="row">23</td><td>5,748</td><td>862</td><td>22,132</td><td>2,874</td><td>0</td><td>9,623</td><td>418,042</td></tr><tr><td role="rowheader" scope="row">24</td><td>5,921</td><td>888</td><td>24,532</td><td>2,960</td><td>0</td><td>10,666</td><td>463,010</td></tr><tr><td role="rowheader" scope="row">25</td><td>6,098</td><td>915</td><td>27,149</td><td>3,049</td><td>0</td><td>11,804</td><td>512,025</td></tr><tr><td role="rowheader" scope="row">26</td><td>6,281</td><td>942</td><td>30,001</td><td>3,141</td><td>0</td><td>13,044</td><td>565,434</td></tr><tr><td role="rowheader" scope="row">27</td><td>6,470</td><td>970</td><td>33,108</td><td>3,235</td><td>0</td><td>14,395</td><td>623,612</td></tr><tr><td role="rowheader" scope="row">28</td><td>6,664</td><td>1,000</td><td>36,492</td><td>3,332</td><td>0</td><td>15,866</td><td>686,965</td></tr><tr><td role="rowheader" scope="row">29</td><td>6,864</td><td>1,030</td><td>40,176</td><td>3,432</td><td>0</td><td>17,468</td><td>755,934</td></tr><tr><td role="rowheader" scope="row">30</td><td>7,070</td><td>1,060</td><td>44,186</td><td>3,535</td><td>0</td><td>19,211</td><td>830,996</td></tr><tr><td role="rowheader" scope="row">31</td><td>7,282</td><td>1,092</td><td>48,550</td><td>3,641</td><td>0</td><td>21,109</td><td>912,670</td></tr><tr><td role="rowheader" scope="row">32</td><td>7,500</td><td>1,125</td><td>53,298</td><td>3,750</td><td>0</td><td>23,173</td><td>1,001,516</td></tr><tr><td role="rowheader" scope="row">33</td><td>7,725</td><td>1,159</td><td>58,462</td><td>3,863</td><td>0</td><td>25,418</td><td>1,098,143</td></tr><tr><td role="rowheader" scope="row">34</td><td>7,957</td><td>1,194</td><td>64,078</td><td>3,979</td><td>0</td><td>27,860</td><td>1,203,209</td></tr><tr><td role="rowheader" scope="row">35</td><td>8,196</td><td>1,229</td><td>70,183</td><td>4,098</td><td>0</td><td>30,514</td><td>1,317,430</td></tr><tr><td role="rowheader" scope="row">36</td><td>8,442</td><td>1,266</td><td>76,820</td><td>4,221</td><td>0</td><td>33,400</td><td>1,441,579</td></tr><tr><td role="rowheader" scope="row">37</td><td>8,695</td><td>1,304</td><td>84,033</td><td>4,347</td><td>0</td><td>36,536</td><td>1,576,495</td></tr><tr><td role="rowheader" scope="row">38</td><td>8,956</td><td>1,343</td><td>91,871</td><td>4,478</td><td>0</td><td>39,944</td><td>1,723,087</td></tr></table>