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Sponsor portfolioTH

RIDGEWOOD SAVINGS BANK

EIN 11-1241830-banking-Latest filing 2025
Plans
8
Retirement
2
$299.1M assets
Welfare
6
$1.8M premiums
Participants
3,927
71-02 FOREST AVENUE - RIDGEWOOD, NY 11385718-240-4800ridgewoodbank.comLinkedIn501-1000 employeesbanking
Plans on this EIN
8 filings
#001TraditionalDB-$166.5M - 814 part#002401k-$132.6M - 809 part#506Mixed-$1.2M - 66 lives#503Fully Insured-$437K - 628 lives#508Fully Insured-$178K - 459 lives#509Fully Insured-$49K - 104 lives#513Fully Insured-$18K - 80 lives#505Fully Insured-540 lives

Retirement portfolio analytics

2 plans aggregated / $299.1M assets / 1,623 participants

Assets by plan

Share of aggregate retirement assets

56%top
  • RIDGEWOOD SAVINGS BANK (#001)56%
  • 401 (K) PLAN (#002)44%
Total $299.1MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
56%top
  • (Not disclosed)56%
  • THE VANGUARD GROUP, INC.44%
Total $299.1MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • RIDGEWOOD SAVINGS BANK (#001)814
  • 401 (K) PLAN (#002)809
Total 1,623Click row to drill in

Benefits portfolio analytics

6 plans / $1.8M premiums / 1,877 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Life$437K
  • Long-term disability$178K
  • Short-term disability$49K
  • Other$18K
Total $682K4 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
97%top
  • HARTFORD LIFE AND ACCIDENT97%
  • PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD3%
  • ACE AMERICAN INSURANCE COMPANY0%
Total $682K3 slices

Broker market share

Schedule A broker compensation

Split broker
89%top
  • HARRY MASCOLO89%
  • RIDGEWOOD FINANCIAL SERVICES CORP.11%
  • MERCER HEALTH AND BENEFITS, LLC0%
Total $71K3 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

THE RETIREMENT PLAN OF RIDGEWOOD SAVINGS BANK

TraditionalDB

Assets$166.5M
Participants814
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

RIDGEWOOD SAVINGS BANK PROFIT SHARING AND 401 (K) PLAN

401k

Assets$132.6M
Participants809
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#506

RIDGEWOOD SAVINGS BANK HEALTHCARE PLAN

Mixed - EMBLEMHEALTH

Premiums$1.2M
Covered lives66
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#503

RIDGEWOOD SAVINGS BANK GROUP LIFE INSURANCE PLAN

Fully Insured - HARTFORD LIFE AND ACCIDENT

Premiums$437K
Covered lives628
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#508

RIDGEWOOD SAVINGS BANK LONG TERM DISABILITY PLAN

Fully Insured - HARTFORD LIFE AND ACCIDENT

Premiums$178K
Covered lives459
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#509

RIDGEWOOD SAVINGS BANK VOLUNTARY SHORT TERM DISABILITY PLAN

Fully Insured - HARTFORD LIFE AND ACCIDENT

Premiums$49K
Covered lives104
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#513

RIDGEWOOD SAVINGS BANK LEGAL SERVICES PLAN

Fully Insured - PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD

Premiums$18K
Covered lives80
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#505

TRAVEL ACCIDENT INSURANCE

Fully Insured - ACE AMERICAN INSURANCE COMPANY

Premiums$0
Covered lives540
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
001THE RETIREMENT PLAN OF RIDGEWOOD SAVINGS BANKTraditionalDB$166.5M8142025
002RIDGEWOOD SAVINGS BANK PROFIT SHARING AND 401 (K) PLAN401k$132.6M8092024

Welfare plans6

Plan #NameFundingCarrierPremiumsCoveredLatest year
506RIDGEWOOD SAVINGS BANK HEALTHCARE PLANMixedEMBLEMHEALTH$1.2M662024
503RIDGEWOOD SAVINGS BANK GROUP LIFE INSURANCE PLANFully InsuredHARTFORD LIFE AND ACCIDENT$437K6282025
508RIDGEWOOD SAVINGS BANK LONG TERM DISABILITY PLANFully InsuredHARTFORD LIFE AND ACCIDENT$178K4592025
509RIDGEWOOD SAVINGS BANK VOLUNTARY SHORT TERM DISABILITY PLANFully InsuredHARTFORD LIFE AND ACCIDENT$49K1042025
513RIDGEWOOD SAVINGS BANK LEGAL SERVICES PLANFully InsuredPRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD$18K802025
505TRAVEL ACCIDENT INSURANCEFully InsuredACE AMERICAN INSURANCE COMPANY$05402025
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