401(k) · DOL Form 5500 · 2023

The Lowell Five Cent Savings Bank 401(k) Plan

Data updated 2026-08-25

$30M
Total assets Below avg plan size
181
Participants Below avg headcount
79th
Percentile by assets National rank
$164,481
Avg per participant Above avg balance/head
PlainRetire home → About this data RSS: change history

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

$30M in assets, 181 participants

The Lowell Five Cent Savings Bank's Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank reported $30M in total assets and 181 participants in its 2023 DOL Form 5500 filing, ranking in the 79th 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.

  • #6,028 in Finance & Insurance (8,869 peers)

Coverage in Massachusetts

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank covers 181 participants in Massachusetts, about 27% of the average Massachusetts filer (state average ~659 per filing). Assets: $30M.

#6,028
in Finance & Insurance (8,869 peers)
+22.0%
assets growth YoY
0.3×
vs typical plan assets (national mean)

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 2023 · DOL Form 5500

$29,771,094 Top 21% higher than 79% 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 the Lowell Five Cent Savings Bank among mid-size 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 the Lowell Five Cent Savings Bank sits mid-pack in the medium band (181 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank reported net income rose from -$6M in the plan year 2022 filing to $5M in the plan year 2023 filing.
  • Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank end-of-year assets rose from $24M in the plan year 2022 filing to $30M in the plan year 2023 filing.
  • Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank reported participants fell from 194 in the plan year 2022 filing to 181 in the plan year 2023 filing.

See the national 2022→2023 release diff →

EBSA filing schedule strip

Filing strip 453131005 · The Lowell Five Cent Savings Bank PY 2023 · 401(k)

Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank · $30M · 181 · 79th

  • NET $30M
  • NET 181
  • NET 79th
  • NET 401(k)
  • NET near Sabine Oil & Gas Corporation 401(k) Plan
  • NET ind #6028

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

Gene Juarez Salons & Spas 401(k) PlanGene Juarez Salons & Spas 40…$30MSbera 401(k) Plan as Adopted by the Lowell Five Cent Savings BankSbera 401(k) Plan as Adopted…$30MSabine Oil & Gas Corporation 401(k) PlanSabine Oil & Gas Corporation…$30MJordan Foster Companies 401(k) Profit Sharing PlanJordan Foster Companies 401(…$30MThe Jaeb Center for Health Research, Inc. 401(k) Profit Sharing Plan and TrustThe Jaeb Center for Health R…$30M
End-of-year total assets ($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 2023.

Massachusetts filing particulars

Total Assets (Beginning of Year)$24M
Net Assets (End of Year)$30M
Net Income$5M
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. -20000020000400006000080000 -10010203040 Total assets ($B) Participants Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank, Total assets ($B): 0.029771094 · Participants: 181Sbera 401(k) Plan as Adopted by the Lowell Five Cent 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 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 Sabine Oil & Gas Corporation 401(k) Plan in TX ($30M); by covered participants it is Pyromation, Inc. 401(k) Plan in IN (181 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (181 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 the Lowell Five Cent Savings Bank assets move in 2023? ▼
Sbera 401(k) Plan as Adopted by the Lowell Five Cent Savings Bank grew sharply - up 22.0% during 2023, from $24M to $30M. Reported net income was $5M.
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 79th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (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 Sabine Oil & Gas Corporation 401(k) Plan in TX ($30M, 71 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 Pyromation, Inc. 401(k) Plan in IN (181 participants, N/A 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 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.