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Original filing (PDF)20251015101059NAL0008677010001
CORNERSTONE BANK
Form 5500
FILING_RECEIVED
CORNERSTONE BANK 401(K) PLAN
401(k) retirement plan
Signals · 1
100% in single holding
Active participants
174
Accounts w/ balance
231
Plan assets (EOY)
$33.4M
Net assets (EOY)
$33.4M
How this plan invests
This plan
12 pooled trusts
Schedule D
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Fair Value Measurements December 31, 2024 Level 1 Level 2 Level 3 Total Mutual funds $ 16,763,621 - -" is 100% of plan.
Helping the score
- Below-peer total fees (20 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CORNERSTONE BANK.
Plan sponsor
Name
CORNERSTONE BANK
EIN
04-1856390
Address
257 MAIN STREET · PO BOX 370 · SOUTHBRIDGE, MA · 015500370
Phone
(508) 765-9103
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
WOLF & COMPANY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $57K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE ANGELL PENSION GROUP INC | — | E. PROVIDENCE, RI | CONTRACT ADMIN | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $9K | — |
Investments
1 direct security · 12 pooled funds· $31.4M(94% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$16.8M
1 holding
Common Collective Trust
$14.6M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fair Value Measurements December 31, 2024 Level 1 Level 2 Level 3 Total Mutual funds $ 16,763,621 - | — | — | — | $16.8M | 50.2% | |
| NUVEEN TIAA LIFECYCLE INDEX 2030 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $3.8M | 11.3% | |
| NUVEEN TIAA LIFECYCLE INDEX 2035 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $2.7M | 8.1% | |
| NUVEEN TIAA LIFECYCLE INDEX 2040 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $2.0M | 6.1% | |
| NUVEEN TIAA LIFECYCLE INDEX 2060 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $1.6M | 4.8% | |
| NUVEEN TIAA LIFECYCLE INDEX 2020 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $1.5M | 4.6% | |
| NUVEEN TIAA LIFECYCLE INDEX 2050 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $794K | 2.4% | |
| NUVEEN TIAA LIFECYCLE INDEX 2045 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $706K | 2.1% | |
| NUVEEN TIAA LIFECYCLE INDEX 2025 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $672K | 2.0% | |
| NUVEEN TIAA LIFECYCLE INDEX 2055 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $556K | 1.7% | |
| NUVEEN TIAA LIFECYCLE INDEX RET INC NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $130K | 0.4% | |
| NUVEEN TIAA LIFECYCLE INDEX 2065 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $69K | 0.2% | |
| NUVEEN TIAA LIFECYCLE INDEX 2015 R NUVEEN INVESTMENTS · EIN 27-3441498 / PN 043 | Common Collective Trust | — | — | $0 | <0.1% |
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