401(k) · DOL Form 5500 · 2022

The Lowell Five Cent Savings Bank 401(k) Plan

Data updated 2026-08-25

$24M
Total assets Small plan by assets
194
Participants Below avg headcount
80th
Percentile by assets National rank
$125,782
Avg per participant Near avg balance/head
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Official DOL plan name: Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank · Sponsored by The Lowell Five Cent Savings Bank · Massachusetts · Finance & Insurance

$24M in assets, 194 participants

The Lowell Five Cent Savings Bank's Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank reported $24M in total assets and 194 participants in its 2022 DOL Form 5500 filing, ranking in the 80th 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.

  • #6,314 in Finance & Insurance (9,261 peers)

Coverage in Massachusetts

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank covers 194 participants in Massachusetts, about 29% of the average Massachusetts filer (state average ~659 per filing). Assets: $24M.

#6,314
in Finance & Insurance (9,261 peers)
-19.8%
assets change YoY
0.2×
vs typical plan assets (national mean)

The plan reported a net loss of $6M 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 the Lowell Five Cent Savings Bank's outsized position by total assets

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank vs every filed plan by assets

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

$24,401,657 Top 20% higher than 80% 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 the Lowell Five Cent 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 the Lowell Five Cent Savings Bank sits mid-pack in the medium band (194 participants).

DOL schedule card

Filing strip 453131005 · The Lowell Five Cent Savings Bank PY 2022 · 401(k)

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank · $24M · 194 · 80th

  • NET $24M
  • NET 194
  • NET 80th
  • NET 401(k)
  • NET near Western Branch Diesel LLC Savings & Retirement Plan
  • NET ind #6314

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 the Lowell Five Cent Savings Bank in the asset neighbourhood

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings BankSbera 401(k) Plan as Adopted…$24MWestern Branch Diesel LLC Savings & Retirement PlanWestern Branch Diesel LLC Sa…$24MKpm Cpas, PC Profit Sharing PlanKpm Cpas, PC Profit Sharing …$24MElectro Management 401(k) PlanElectro Management 401(k) Pl…$24MDatamax, Inc. 401(k)/Profit Sharing PlanDatamax, Inc. 401(k)/Profit …$24M
End-of-year total assets ($M) among Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Massachusetts filing particulars

Total Assets (Beginning of Year)$30M
Net Assets (End of Year)$24M
Net Income-$6M
Employer EIN453131005
Plan Effective Date1995-11-01
Filing StatusFILING RECEIVED

Sponsor Plan History (The Lowell Five Cent Savings Bank)

Sponsor-wide plan assets over time

All The Lowell Five Cent Savings Bank plans reported in each filing year

Latest sponsor-wide plan assets
$76M 33.64456023802374% vs 2022
2024 filing year
$50M$60M$70M$80M 202220232024 $56.8M $75.9M ▲ +33.6%
Year Plans Participants Total Assets
2022 2 275 $57M
2023 2 255 $68M
2024 2 255 $76M

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 the Lowell Five Cent Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants Scatter plot of 6 data points. -200000200004000060000 -100102030 Total assets ($B) Participants Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank, Total assets ($B): 0.024401657 · Participants: 194Sbera 401(k) Plan as Adopted by the Lowell Five Cent 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 the Lowell Five Cent Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants
Compare Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank side-by-side with 3 peers →

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

Outside Massachusetts, the nearest 401(k) by assets is Western Branch Diesel LLC Savings & Retirement Plan in VA ($24M); by covered participants it is L.I.F. Industries, Inc. 401(k) Plan in NY (194 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($24M here).

Similar participant headcount

Nearest other-state filings by covered participants (194 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 the Lowell Five Cent Savings Bank assets move in 2022? ▼
Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank declined sharply - down 19.8% during 2022, from $30M to $24M. Reported net income was -$6M.
How have The Lowell Five Cent Savings Bank plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), The Lowell Five Cent Savings Bank's sponsor-wide assets grew 33.6%, from $57M to $76M.
Where does Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank rank by assets among Form 5500 filers? ▼
Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank ranks in the 80th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top quartile of all filed plans by assets).
Which 401(k) plans are similar in size to Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank? ▼
Among 401(k) plans in other states, the closest by assets is Western Branch Diesel LLC Savings & Retirement Plan in VA ($24M, 272 participants).
Which 401(k) plans cover a similar participant headcount to Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank? ▼
Among 401(k) plans in other states, the closest by covered participants is L.I.F. Industries, Inc. 401(k) Plan in NY (194 participants, N/A 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 453131005.

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.