Defined Benefit (Pension) · DOL Form 5500 · 2024

The Lowell Five Cent Savings Bank Pension Plan

Data updated 2026-08-25

$42M
Total assets Below avg plan size
72
Participants Small participant base
82nd
Percentile by assets National rank
$577,829
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

$42M in assets, 72 participants

The Lowell Five Cent Savings Bank's Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported $42M in total assets and 72 participants in its 2024 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.

  • #6,157 in Finance & Insurance (8,549 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, $42M for 72 participants (~$577,829/participant), up 9.6% in 2024.

#6,157
in Finance & Insurance (8,549 peers)
+9.6%
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 2024 · DOL Form 5500

$41,603,712 Top 18% higher than 82% of 123,620 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 2024

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank among smaller filed plans by headcount

Plan-year 2024 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 (72 participants) on this national headcount ladder.

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported net income fell from $6M in the plan year 2023 filing to $4M in the plan year 2024 filing.
  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank end-of-year assets rose from $38M in the plan year 2023 filing to $42M in the plan year 2024 filing.
  • Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank reported participants fell from 74 in the plan year 2023 filing to 72 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 453131005 · The Lowell Five Cent Savings Bank PY 2024 · Defined Benefit (Pension)

Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank · $42M · 72 · 82nd

  • IND $42M
  • EOY 72
  • 5500 82nd
  • ASSETS Defined Benefit (Pension)
  • PCT near Retirement Plan for Employees of Texas State Teachers Association
  • EIN ind #6157

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

Sanden International U.S.a., Inc. Pension PlanSanden International U.S.a.,…$42MThe Belt Railway Company of Chicago Pension Plan for Non-Schedule EmployeesThe Belt Railway Company of …$42MOneida Healthcare Center Pension PlanOneida Healthcare Center Pen…$42MSbera Pension Plan as Adopted by the Lowell Five Cent Savings BankSbera Pension Plan as Adopte…$42MRetirement Plan for Employees of Texas State Teachers AssociationRetirement Plan for Employee…$42M
End-of-year total assets ($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 2024.

Scale-class filing particulars (2024)

Total Assets (Beginning of Year)$38M
Net Assets (End of Year)$42M
Net Income$4M
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): 0.041603712 · Participants: 72Sbera Pension Plan as Adopted by the Lowell Five Cent Savings BankConsolidated Cash Balance Program of Mass General Brigham and Member Organizations, Total assets ($B): 11.586293172 · Participants: 60621Consolidated Cash Balance Program of Mass General Brigham and Member OrganizationsNew England Teamsters Pension Fund, Total assets ($B): 9.093299462 · Participants: 21577New England Teamsters Pension FundLiberty Mutual Retirement Benefit Plan, Total assets ($B): 6.250686483 · Participants: 34910Liberty Mutual Retirement Benefit PlanMassachusetts Institute of Technology Basic Retirement Plan, Total assets ($B): 5.888715533 · Participants: 12533Massachusetts Institute of Technology Basic Retirement PlanN. Atlantic States Carp. Pension Fund, Total assets ($B): 5.086051556 · Participants: 16946N. 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 Retirement Plan for Employees of Texas State Teachers Association in TX ($42M); by covered participants it is Retirement Plan for Employees of Hamlin Bank and Trust Company in PA (72 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (72 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. 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 2024? ▼
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank grew at a solid clip - up 9.6% during 2024, from $38M to $42M. Reported net income was $4M.
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 123,622 plans that reported assets for plan year 2024 (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 Retirement Plan for Employees of Texas State Teachers Association in TX ($42M, 49 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 Retirement Plan for Employees of Hamlin Bank and Trust Company in PA (72 participants, $28M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

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.