Assets by plan
Share of aggregate retirement assets
51%top
Sponsor portfolioTH
THE LOWELL FIVE CENT SAVINGS BANK
EIN 45-3131005financial servicesLatest filing 2025
Plans
6
Retirement
2
$81.7M assets
Welfare
4
$135K premiums
Participants
1,152
Retirement portfolio analytics
2 plans aggregated / $81.7M assets / 461 participantsParticipants by plan
Active + retired + deferred vested
Benefits portfolio analytics
4 plans / $135K premiums / 591 covered livesCoverage by line
Premium dollars by benefit type (bundled lines overlap)
- Life$76K
- Long-term disability$33K
- Vision$25K
Carrier market share
Premium dollars by Schedule A carrier
56%top
- HARTFORD LIFE AND ACCIDENT56%
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA25%
- VISION SERVICE PLAN19%
Broker market share
Schedule A broker compensation
77%top
- MASS FNCL SVCS INS AGCY INC77%
- FRED C. CHURCH INC.23%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#001
SBERA PENSION PLAN AS ADOPTED BY THE LOWELL FIVE CENT SAVINGS BANK
TraditionalDB
Assets$41.6M
Participants174
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002
SBERA 401(K) PLAN AS ADOPTED BY THE LOWELL FIVE CENT SAVINGS BANK
401k
Assets$40.1M
Participants287
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501
THE LOWELL FIVE CENT SAVINGS BANK LIFE INSURANCE PLAN
Fully Insured - THE HARTFORD
Premiums$76K
Covered lives292
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#506
THE LOWELL FIVE CENT SAVINGS BANK LONG TERM DISABILITY PLAN
Fully Insured - THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Premiums$33K
Covered lives188
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#555
LOWELL FIVE BANK VISION PLAN
Fully Insured - VSP VISION CARE
Premiums$25K
Covered lives111
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#507
LOWELL FIVE CENT SAVINGS BANK FLEXIBLE BENEFITS PLAN
Self Funded
Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans2
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 001 | SBERA PENSION PLAN AS ADOPTED BY THE LOWELL FIVE CENT SAVINGS BANK | TraditionalDB | $41.6M | 174 | 2025 | |
| 002 | SBERA 401(K) PLAN AS ADOPTED BY THE LOWELL FIVE CENT SAVINGS BANK | 401k | $40.1M | 287 | 2025 |
Welfare plans4
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 501 | THE LOWELL FIVE CENT SAVINGS BANK LIFE INSURANCE PLAN | Fully Insured | THE HARTFORD | $76K | 292 | 2025 | |
| 506 | THE LOWELL FIVE CENT SAVINGS BANK LONG TERM DISABILITY PLAN | Fully Insured | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | 188 | 2025 | |
| 555 | LOWELL FIVE BANK VISION PLAN | Fully Insured | VSP VISION CARE | $25K | 111 | 2025 | |
| 507 | LOWELL FIVE CENT SAVINGS BANK FLEXIBLE BENEFITS PLAN | Self Funded | - | $0 | 0 | 2025 |
Retirement plans
Welfare plans