Defined Benefit (Pension) · DOL Form 5500 · 2023

The Lowell Five Cent Savings Bank Pension Plan

Data updated 2026-08-25

$38M
Total assets Below avg plan size
74
Participants Small participant base
82nd
Percentile by assets National rank
$512,771
Avg per participant High balance/head
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Official DOL plan name: Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank · Sponsored by The Lowell Five Cent Savings Bank · Massachusetts · Finance & Insurance

$38M in assets, 74 participants

The Lowell Five Cent Savings Bank's Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported $38M in total assets and 74 participants in its 2023 DOL Form 5500 filing, ranking in the 82nd 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.

  • #6,470 in Finance & Insurance (8,869 peers)

Where Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank sits by assets

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank sits in the top quartile of all filed plans by assets, $38M for 74 participants (~$512,771/participant), up 17.2% in 2023.

#6,470
in Finance & Insurance (8,869 peers)
+17.2%
assets growth YoY
0.4×
vs typical plan assets (national mean)

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank's outsized position by total assets

Sbera Pension 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

$37,945,049 Top 18% higher than 82% 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 Pension Plan as Adopted by the Lowell Five Cent 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 Pension Plan as Adopted by the Lowell Five Cent Savings Bank is a small filing (74 participants) on this national headcount ladder.

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported net income rose from $665K in the plan year 2022 filing to $6M in the plan year 2023 filing.
  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank end-of-year assets rose from $32M in the plan year 2022 filing to $38M in the plan year 2023 filing.
  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported participants fell from 81 in the plan year 2022 filing to 74 in the plan year 2023 filing.

See the national 2022→2023 release diff →

Form 5500 schedule snapshot

Filing strip 453131005 · The Lowell Five Cent Savings Bank PY 2023 · Defined Benefit (Pension)

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank · $38M · 74 · 82nd

  • VS-ST $38M
  • VS-ST 74
  • VS-ST 82nd
  • VS-ST Defined Benefit (Pension)
  • VS-ST near Scotland Health Care System Employees' Pension Plan
  • VS-ST ind #6470

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 Pension Plan as Adopted by the Lowell Five Cent Savings Bank in the asset neighbourhood

The Monarch Cement Company Retirement Plan for Staff EmployeesThe Monarch Cement Company R…$38MScotland Health Care System Employees' Pension PlanScotland Health Care System …$38MSbera Pension Plan as Adopted by the Lowell Five Cent Savings BankSbera Pension Plan as Adopte…$38MRetirement Plan for Employees of the Academy of Motion Picture Arts & SciencesRetirement Plan for Employee…$38MEssity North America Defined Benefit Pension PlanEssity North America Defined…$38M
End-of-year total assets ($M) among Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank and nearest nationwide Defined Benefit (Pension) peers. Source: DOL Form 5500 plan year 2023.

Scale-class filing particulars (2023)

Total Assets (Beginning of Year)$32M
Net Assets (End of Year)$38M
Net Income$6M
Employer EIN453131005
Plan Effective Date1981-11-01
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 Defined Benefit (Pension) Plans in Massachusetts

Peer Defined Benefit (Pension) plans, same state, same plan type, ranked by total assets.

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank vs. nearby Defined Benefit (Pension) plans in Massachusetts, assets vs. participants Scatter plot of 6 data points. -20000020000400006000080000 -5051015 Total assets ($B) Participants Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank, Total assets ($B): 0.037945049 · Participants: 74Sbera Pension Plan as Adopted by the Lowell Five Cent Savings BankConsolidated Cash Balance Program of Mass General Brigham and Member Organizations, Total assets ($B): 10.325856564 · Participants: 58745Consolidated Cash Balance Program of Mass General Brigham and Member OrganizationsNew England Teamsters Pension Fund, Total assets ($B): 9.092299586 · Participants: 21786New England Teamsters Pension FundLiberty Mutual Retirement Benefit Plan, Total assets ($B): 6.892259637 · Participants: 37145Liberty Mutual Retirement Benefit PlanMassachusetts Institute of Technology Basic Retirement Plan, Total assets ($B): 5.381626447 · Participants: 11888Massachusetts Institute of Technology Basic Retirement PlanN. Atlantic States Carp. Pension Fund, Total assets ($B): 4.973349354 · Participants: 17166N. Atlantic States Carp. Pension Fund
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank vs. nearby Defined Benefit (Pension) plans in Massachusetts, assets vs. participants
Compare Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank side-by-side with 3 peers →

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

Outside Massachusetts, the nearest Defined Benefit (Pension) by assets is Scotland Health Care System Employees' Pension Plan in NC ($38M); by covered participants it is Keystone Folding Box Company Retirement Plan in NJ (74 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (74 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 Pension Plan as Adopted by the Lowell Five Cent Savings Bank assets move in 2023? ▼
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank grew sharply - up 17.2% during 2023, from $32M to $38M. 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 Pension Plan as Adopted by the Lowell Five Cent Savings Bank rank by assets among Form 5500 filers? ▼
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank ranks in the 82nd 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 Defined Benefit (Pension) plans are similar in size to Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank? ▼
Among Defined Benefit (Pension) plans in other states, the closest by assets is Scotland Health Care System Employees' Pension Plan in NC ($38M, 336 participants).
Which Defined Benefit (Pension) plans cover a similar participant headcount to Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank? ▼
Among Defined Benefit (Pension) plans in other states, the closest by covered participants is Keystone Folding Box Company Retirement Plan in NJ (74 participants, $7M 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.