^ those payrates X (401k match % + B fund Defined Contribution %) =

Years 1-5 = 6.5% (4% matching + 2.5% B fund)
Years 5-10 = 9% (5% matching + 4% B fund)
Years 10-15 = 11% (6% matching + 5% B fund)
Years 15-20 = 11.5% (6% matching + 5.5% B fund)
Years 20+ = 12% (6% matching + 6% B fund)