Employer · plans filed under one EIN
The Lowell Five Cent Savings Bank
Tewksbury, MA · Finance and insurance
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
The Lowell Five Cent Savings Bank, based in Tewksbury, Massachusetts, sponsors 2 retirement plans with 100 or more participants: 1 defined contribution and 1 defined benefit. Together they reported 461 participant records and $81.7M in net assets.
The largest is Sbera 401(k) Plan As Adopted by the Lowell Five Cent Savings Bank, a 401(k) plan with 287 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $648K and participant contributions $1.4M in the latest plan years; benefits paid were $2.2M. Schedule C compensation reported to service provider organisations totalled $0.
Combined net assets moved from $17.6M in 2011 to $40.1M in 2025 (up 127%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| Sbera 401(k) Plan As Adopted by the Lowell Five Cent Savings Bank | 401(k) plan | 2025 | 287 | $40.1M | $139,625 | $3,304 | $0 |
| Sbera Pension Plan As Adopted by the Lowell Five Cent Savings Bank | defined benefit pension plan | 2024 | 174 | $41.6M | $239,102 | — | $0 |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2025 | 1 | 287 | $40.1M | $648K | $1.4M |
| 2024 | 2 | 456 | $75.9M | $589K | $1.3M |
| 2023 | 2 | 465 | $67.7M | $555K | $1.1M |
| 2022 | 2 | 481 | $56.8M | $521K | $1.0M |
| 2021 | 2 | 531 | $62.1M | $512K | $953K |
| 2020 | 2 | 533 | $66.8M | $2.5M | $878K |
| 2019 | 2 | 541 | $57.7M | $3.5M | $822K |
| 2018 | 2 | 542 | $49.4M | $1.5M | $783K |
| 2017 | 2 | 522 | $47.8M | $6.5M | $792K |
| 2016 | 2 | 524 | $39.7M | $422K | $723K |
| 2015 | 2 | 520 | $35.3M | $1.4M | $675K |
| 2014 | 2 | 532 | $35.0M | $1.4M | $689K |
| 2013 | 2 | 521 | $33.5M | $379K | $664K |
| 2012 | 2 | 521 | $30.6M | $334K | $600K |
| 2011 | 1 | 275 | $17.6M | $1.0M | $0 |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Questions and answers
How many retirement plans does The Lowell Five Cent Savings Bank have?
2 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: Sbera 401(k) Plan As Adopted by the Lowell Five Cent Savings Bank and Sbera Pension Plan As Adopted by the Lowell Five Cent Savings Bank. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does The Lowell Five Cent Savings Bank contribute to its plans?
$647,660 in employer contributions across these plans in their latest plan years, about $2,435 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
The plans report no service provider organisations on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.