401(k) · DOL Form 5500 · 2022

Middlesex Savings Bank 401(k) Plan

Data updated 2026-08-25

$81M
Total assets Below avg plan size
500
Participants Below avg headcount
92nd
Percentile by assets National rank
$162,933
Avg per participant Above avg balance/head
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Official DOL plan name: Sbera 401(k) Plan as Adopted by Middlesex Savings Bank · Sponsored by Middlesex Savings Bank · Massachusetts · Finance & Insurance

$81M in assets, 500 participants

Middlesex Savings Bank's Sbera 401(k) Plan as Adopted by Middlesex Savings Bank reported $81M in total assets and 500 participants in its 2022 DOL Form 5500 filing, ranking in the 92nd percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #8,012 in Finance & Insurance (9,261 peers)

Where Sbera 401(k) Plan as Adopted by Middlesex Savings Bank sits by assets

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank sits in the top 10% of all filed plans by assets, $81M for 500 participants (~$162,933/participant), down 18.3% in 2022.

#8,012
in Finance & Insurance (9,261 peers)
-18.3%
assets change YoY
0.8×
vs typical plan assets (national mean)

The plan reported a net loss of $18M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank's outsized position by total assets

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$81,466,325 Top 8% higher than 92% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank among mid-size filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Sbera 401(k) Plan as Adopted by Middlesex Savings Bank sits mid-pack in the medium band (500 participants).

Published 5500 schedule card

Filing strip 270402195 · Middlesex Savings Bank PY 2022 · 401(k)

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank · $81M · 500 · 92nd

  • TYPE $81M
  • TYPE 500
  • TYPE 92nd
  • TYPE 401(k)
  • TYPE near Retirement Access Plan
  • TYPE ind #8012

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Massachusetts →

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank in the asset neighbourhood

Baird Holm LLP Profit Sharing PlanBaird Holm LLP Profit Sharin…$81MRetirement Access Plan$81MSbera 401(k) Plan as Adopted by Middlesex Savings BankSbera 401(k) Plan as Adopted…$81MHorne LLP Profit Sharing Plan$81MAch Food Companies, Inc. Thrift PlanAch Food Companies, Inc. Thr…$81M
End-of-year total assets ($M) among Sbera 401(k) Plan as Adopted by Middlesex Savings Bank and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Scale-class filing particulars (2022)

Total Assets (Beginning of Year)$100M
Net Assets (End of Year)$81M
Net Income-$18M
Employer EIN270402195
Plan Effective Date1995-02-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Middlesex Savings Bank)

Sponsor-wide plan assets over time

All Middlesex Savings Bank plans reported in each filing year

Latest sponsor-wide plan assets
$289M 29.270016811716026% vs 2022
2024 filing year
$200M$220M$240M$260M$280M$300M 202220232024 $223M $289M ▲ +29.3%
Year Plans Participants Total Assets
2022 2 907 $223M
2023 2 884 $263M
2024 2 914 $289M

Nearby 401(k) Plans in Massachusetts

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants Scatter plot of 6 data points. -200000200004000060000 -100102030 Total assets ($B) Participants Sbera 401(k) Plan as Adopted by Middlesex Savings Bank, Total assets ($B): 0.081466325 · Participants: 500Sbera 401(k) Plan as Adopted by Middlesex Savings BankFidelity Retirement Savings Plan, Total assets ($B): 22.953563448 · Participants: 52036Fidelity Retirement Savings PlanLiberty Mutual 401(k) Plan, Total assets ($B): 8.79802945 · Participants: 32843Liberty Mutual 401(k) PlanMassachusetts Institute of Technology Supplemental 401(k) Plan, Total assets ($B): 5.810585521 · Participants: 13690Massachusetts Institute of Technology Supplemental 401(k) PlanPhilips North America 401(k) Plan, Total assets ($B): 5.180251859 · Participants: 19750Philips North America 401(k) PlanBoston Scientific Corporation 401(k) Retirement Savings Plan, Total assets ($B): 4.853752256 · Participants: 18359Boston Scientific Corporation 401(k) Retirement Savings Plan
Sbera 401(k) Plan as Adopted by Middlesex Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants
Compare Sbera 401(k) Plan as Adopted by Middlesex Savings Bank side-by-side with 3 peers →

Sbera 401(k) Plan as Adopted by Middlesex Savings Bank's out-of-state 401(k) peers by assets and headcount

Outside Massachusetts, the nearest 401(k) by assets is Retirement Access Plan in AR ($81M); by covered participants it is Az Pet Vet Holding LLC 401(k) Plan in AZ (500 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($81M here).

Similar participant headcount

Nearest other-state filings by covered participants (500 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Sbera 401(k) Plan as Adopted by Middlesex Savings Bank assets move in 2022? ▼
Sbera 401(k) Plan as Adopted by Middlesex Savings Bank declined sharply - down 18.3% during 2022, from $100M to $81M. Reported net income was -$18M.
How have Middlesex Savings Bank plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Middlesex Savings Bank's sponsor-wide assets grew 29.3%, from $223M to $289M.
Where does Sbera 401(k) Plan as Adopted by Middlesex Savings Bank rank by assets among Form 5500 filers? ▼
Sbera 401(k) Plan as Adopted by Middlesex Savings Bank ranks in the 92nd percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 10% of all filed plans by assets).
Which 401(k) plans are similar in size to Sbera 401(k) Plan as Adopted by Middlesex Savings Bank? ▼
Among 401(k) plans in other states, the closest by assets is Retirement Access Plan in AR ($81M, 851 participants).
Which 401(k) plans cover a similar participant headcount to Sbera 401(k) Plan as Adopted by Middlesex Savings Bank? ▼
Among 401(k) plans in other states, the closest by covered participants is Az Pet Vet Holding LLC 401(k) Plan in AZ (500 participants, $8M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 270402195.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.