PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Companies/
  2. MAIN STREET BANK
Sponsor portfolioTH

MAIN STREET BANK

EIN 04-1584100-banking-Latest filing 2025
Plans
5
Retirement
2
$38.0M assets
Welfare
3
$125K premiums
Participants
662
7 MAIN STREET - AYER, MA 01432978-772-3306bankmainstreet.comLinkedIn51-200 employeesbanking
Plans on this EIN
5 filings
#002401k-$28.1M - 241 part#003TraditionalDB-$9.9M - 74 part#502Mixed-$84K - 0 lives#501Mixed-$22K - 94 lives#503Mixed-$19K - 131 lives

Retirement portfolio analytics

2 plans aggregated / $38.0M assets / 315 participants

Assets by plan

Share of aggregate retirement assets

74%top
  • PROFIT SHARING PLAN (#002)74%
  • MIDDLESEX SAVINGS BANK (#003)26%
Total $38.0MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • PROFIT SHARING PLAN (#002)241
  • MIDDLESEX SAVINGS BANK (#003)74
Total 315Click row to drill in

Benefits portfolio analytics

3 plans / $125K premiums / 225 covered lives

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
82%top
  • HARTFORD LIFE AND ACCIDENT82%
  • VISION SERVICE PLAN18%
Total $125K2 slices

Broker market share

Schedule A broker compensation

Split broker
35%top
  • MASSACHUSETTS FINANCIAL SERVICES IN35%
  • INDIGO INSURANCE SERVICES35%
  • VISION SERV PLAN INS CO23%
  • MASS FNCL SVCS INS AGCY INC8%
Total $21K4 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#002

MAIN STREET BANK 401(K) AND PROFIT SHARING PLAN

401k

Assets$28.1M
Participants241
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#003

SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

TraditionalDB

Assets$9.9M
Participants74
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#502

MAIN STREET BANK GTL/LTD PLAN

Mixed - HARTFORD LIFE AND ACCIDENT

Premiums$84K
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#501

MAIN STREET BANK VISION CARE PLAN

Mixed - VISION SERVICE PLAN

Premiums$22K
Covered lives94
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#503

MAIN STREET BANK STD PLAN

Mixed - HARTFORD LIFE AND ACCIDENT

Premiums$19K
Covered lives131
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
002MAIN STREET BANK 401(K) AND PROFIT SHARING PLAN401k$28.1M2412024
003SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANKTraditionalDB$9.9M742025

Welfare plans3

Plan #NameFundingCarrierPremiumsCoveredLatest year
502MAIN STREET BANK GTL/LTD PLANMixedHARTFORD LIFE AND ACCIDENT$84K02025
501MAIN STREET BANK VISION CARE PLANMixedVISION SERVICE PLAN$22K942025
503MAIN STREET BANK STD PLANMixedHARTFORD LIFE AND ACCIDENT$19K1312025
Retirement plans
Welfare plans
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica