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Sponsor portfolioTH

CORNERSTONE BANK

EIN 04-1856390-banking-Latest filing 2025
Plans
3
Retirement
2
$47.1M assets
Welfare
1
$235K premiums
Participants
521
257 MAIN STREET - SOUTHBRIDGE, MA 01550508-885-5313cornerstonebank.comLinkedIn201-500 employeesbanking
Plans on this EIN
3 filings
#004401k-$33.4M - 233 part#001TraditionalDB-$13.7M - 103 part#501Mixed-$235K - 302 lives

Retirement portfolio analytics

2 plans aggregated / $47.1M assets / 336 participants

Assets by plan

Share of aggregate retirement assets

71%top
  • CORNERSTONE BANK 401(K) (#004)71%
  • SPENCER SAVINGS BANK (#001)29%
Total $47.1MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • CORNERSTONE BANK 401(K) (#004)233
  • SPENCER SAVINGS BANK (#001)103
Total 336Click row to drill in

Benefits portfolio analytics

1 plan / $235K premiums / 302 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Dental$139K
  • Life$69K
  • Long-term disability$69K
  • Other$69K
  • Vision$27K
Total $235K5 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
59%top
  • DELTA DENTAL OF CALIFORNIA59%
  • PRINCIPAL LIFE INSURANCE COMPANY29%
  • VISION SERVICE PLAN12%
Total $235K3 slices

Broker market share

Schedule A broker compensation

Split broker
69%top
  • POWER & WALSH INSURANCE ADVISORS69%
  • CENTERSTONE INSURANCE AND FINANCIAL20%
  • MASS FNCL SVCS INS AGCY INC11%
Total $17K3 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#004

CORNERSTONE BANK 401(K) PLAN

401k

Assets$33.4M
Participants233
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001

SBERA PENSION PLAN AS ADOPTED BY SPENCER SAVINGS BANK

TraditionalDB

Assets$13.7M
Participants103
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501

CORNERSTONE BANK HEALTH WELFARE PLAN

Mixed - ALTUS DENTAL INSURANCE COMPANY

Premiums$235K
Covered lives302
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
004CORNERSTONE BANK 401(K) PLAN401k$33.4M2332024
001SBERA PENSION PLAN AS ADOPTED BY SPENCER SAVINGS BANKTraditionalDB$13.7M1032025

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
501CORNERSTONE BANK HEALTH WELFARE PLANMixedALTUS DENTAL INSURANCE COMPANY$235K3022025
Retirement plans
Welfare plans
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