401(k) · DOL Form 5500 · 2023

Bay State Savings Bank 401(k) Plan

Data updated 2026-08-25

$8M
Total assets Small plan by assets
75
Participants Small participant base
52nd
Percentile by assets National rank
$100,106
Avg per participant Below avg balance/head
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Official DOL plan name: Sbera 401(k) Plan as Adopted by Bay State Savings Bank · Sponsored by Bay State Savings Bank · Massachusetts · Finance & Insurance

$8M in assets, 75 participants

Bay State Savings Bank's Sbera 401(k) Plan as Adopted by Bay State Savings Bank reported $8M in total assets and 75 participants in its 2023 DOL Form 5500 filing, ranking in the 52nd 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.

  • #3,336 in Finance & Insurance (8,869 peers)

What the 2023 filing shows

Sbera 401(k) Plan as Adopted by Bay State Savings Bank holds $8M for 75 participants - about $100,106 per participant, above the median plan by assets.

#3,336
in Finance & Insurance (8,869 peers)
+3.2%
assets growth YoY

Sbera 401(k) Plan as Adopted by Bay State Savings Bank's mid-pack asset rank among Finance & Insurance and all filers

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

End-of-year total assets · plan year 2023 · DOL Form 5500

$7,507,950 Top 48% higher than 52% of 127,068 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 2023

Sbera 401(k) Plan as Adopted by Bay State Savings Bank among smaller filed plans by headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Sbera 401(k) Plan as Adopted by Bay State Savings Bank is a small filing (75 participants) on this national headcount ladder.

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Sbera 401(k) Plan as Adopted by Bay State Savings Bank reported net income rose from -$1M in the plan year 2022 filing to $235K in the plan year 2023 filing.
  • Sbera 401(k) Plan as Adopted by Bay State Savings Bank end-of-year assets rose from $7M in the plan year 2022 filing to $8M in the plan year 2023 filing.
  • Sbera 401(k) Plan as Adopted by Bay State Savings Bank reported participants rose from 74 in the plan year 2022 filing to 75 in the plan year 2023 filing.

See the national 2022→2023 release diff →

Published 5500 schedule card

Filing strip 753238872 · Bay State Savings Bank PY 2023 · 401(k)

Sbera 401(k) Plan as Adopted by Bay State Savings Bank · $8M · 75 · 52nd

  • VS-ST $8M
  • VS-ST 75
  • VS-ST 52nd
  • VS-ST 401(k)
  • VS-ST near Greenpoint Metals, Inc. 401(k) Plan
  • VS-ST ind #3336

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 Bay State Savings Bank in the asset neighbourhood

Sbera 401(k) Plan as Adopted by Bay State Savings BankSbera 401(k) Plan as Adopted…$8MGreenpoint Metals, Inc. 401(k) PlanGreenpoint Metals, Inc. 401(…$8MDanco Builders 401(k) Plan$8MGfg Peabody, Inc. Retirement PlanGfg Peabody, Inc. Retirement…$8MMoldamatic, LLC Profit Sharing 401(k) Plan & TrustMoldamatic, LLC Profit Shari…$8M
End-of-year total assets ($M) among Sbera 401(k) Plan as Adopted by Bay State Savings Bank and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2023.

Filing particulars (2023)

Total Assets (Beginning of Year)$7M
Net Assets (End of Year)$8M
Net Income$235K
Employer EIN753238872
Plan Effective Date1993-05-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Bay State Savings Bank)

Sponsor-wide plan assets over time

All Bay State Savings Bank plans reported in each filing year

Latest sponsor-wide plan assets
$7M 3.0296409363844705% vs 2022
2024 filing year
$7.2M$7.3M$7.4M$7.5M$7.6M 202220232024 $7.27M $7.49M ▲ +3.0%
Year Plans Participants Total Assets
2022 1 74 $7M
2023 1 75 $8M
2024 1 78 $7M

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 Bay State Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants Scatter plot of 6 data points. -20000020000400006000080000 -10010203040 Total assets ($B) Participants Sbera 401(k) Plan as Adopted by Bay State Savings Bank, Total assets ($B): 0.00750795 · Participants: 75Sbera 401(k) Plan as Adopted by Bay State Savings BankFidelity Retirement Savings Plan, Total assets ($B): 28.649852331 · Participants: 62289Fidelity Retirement Savings PlanLiberty Mutual 401(k) Plan, Total assets ($B): 10.556596852 · Participants: 37052Liberty Mutual 401(k) PlanMassachusetts Institute of Technology Supplemental 401(k) Plan, Total assets ($B): 6.829912863 · Participants: 14094Massachusetts Institute of Technology Supplemental 401(k) PlanBoston Scientific Corporation 401(k) Retirement Savings Plan, Total assets ($B): 5.786107181 · Participants: 19881Boston Scientific Corporation 401(k) Retirement Savings PlanPhilips North America 401(k) Plan, Total assets ($B): 5.779286156 · Participants: 19120Philips North America 401(k) Plan
Sbera 401(k) Plan as Adopted by Bay State Savings Bank vs. nearby 401(k) plans in Massachusetts, assets vs. participants
Compare Sbera 401(k) Plan as Adopted by Bay State Savings Bank side-by-side with 3 peers →

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

Outside Massachusetts, the nearest 401(k) by assets is Greenpoint Metals, Inc. 401(k) Plan in OH ($8M); by covered participants it is Airbiquity 401(k) Plan in WA (75 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($8M here).

Similar participant headcount

Nearest other-state filings by covered participants (75 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. 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 Bay State Savings Bank assets move in 2023? ▼
Sbera 401(k) Plan as Adopted by Bay State Savings Bank edged up modestly - up 3.2% during 2023, from $7M to $8M. Reported net income was $235K.
How have Bay State Savings Bank plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Bay State Savings Bank's sponsor-wide assets grew 3.0%, from $7M to $7M.
Which 401(k) plans are similar in size to Sbera 401(k) Plan as Adopted by Bay State Savings Bank? ▼
Among 401(k) plans in other states, the closest by assets is Greenpoint Metals, Inc. 401(k) Plan in OH ($8M, 144 participants).
Which 401(k) plans cover a similar participant headcount to Sbera 401(k) Plan as Adopted by Bay State Savings Bank? ▼
Among 401(k) plans in other states, the closest by covered participants is Airbiquity 401(k) Plan in WA (75 participants, $15M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 753238872.

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.