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Benefit Formula	Benefit Formula (Normal Retirement Benefit) Employer Contributions X 48.3% Benefit Multiplier X Option Factor / 12 Months = Monthly Benefit Note: If the Participant ever earns more than the tax limit on annual compensation in a year (currently $225,000 per year), or Employer Contributions are in excess of 6% of the Participant's "gross compensation", the 48.3% multiplier will not apply to all of the Participant’s Employer Contributions.