The Lowell Five Cent Savings Bank401(k)
SBERA 401(K) PLAN AS ADOPTED BY THE LOWELL FIVE CENT SAVINGS BANK · TEWKSBURY, MA · plan year 2025
Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works
The Lowell Five Cent Savings Bank reported $1,185 in plan administrative expenses for 2025: 0.00% of average plan assets, lower than ~75% of peers. Employer contributions averaged $3,304 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.
Across the 3 years on file its reported administrative ratio fell from 0.01% to 0.00%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 826th-largest of 2,726 plans among Massachusetts employers on file, and the 1,957th of 4,798 in finance & insurance. In 2025, employees put in $2.13 for every $1.00 the employer contributed.
The Lowell Five Cent Savings Bank's 2025 employer contribution ran above the $2,666 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.
Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
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Source: U.S. Department of Labor, Form 5500 series, EIN 453131005 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.