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Original filing (PDF)20251014091835NAL0001162339001
COOPERATIVE BANKS EMPLOYEES RETIREMENT ASSOCIATION
Form 5500
FILING_RECEIVED
CBERA PLAN C
Defined-benefit pension plan
Signals · 4
50% in single holding~151 bps in Sched C feesNo recordkeeper disclosed14 service providers
Active participants
350
Accounts w/ balance
—
Plan assets (EOY)
$130.0M
Net assets (EOY)
$129.9M
How this plan invests
This plan
11 pooled trusts
Schedule D
93 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
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
65
Vendor stack
68
Participation health
100
Knocking points off
- Top holding "(UNITS) Investment in CBERA Group Trust, a common collective trust Units of Participation in CBERA Group Trust" is 50% of plan.
- 151 bps in Schedule C fees — 1412% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (14 disclosed providers, 6 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COOPERATIVE BANKS EMPLOYEES RETIREMENT ASSOCIATION.
Plan sponsor
Name
COOPERATIVE BANKS EMPLOYEES RETIREMENT ASSOCIATION
EIN
04-6035593
Address
100 RIVER RIDGE DRIVE, #102 · NORWOOD, MA · 02062
Phone
(781) 551-8500
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
334
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
1D · Floor-offset DB
Audit & trust (Schedule H)
Auditor
WOLF & COMPANY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
14 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BANK OF NEW YORK MELLON | 13-5160382 | — | CUSTODIAL SECURITIES | $112K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEPC, LLC | 26-1429809 | — | INVESTMENT ADVISOR | $124K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COOP. BANKS EMPLOYEES RET ASSN. | 04-6035593 | — | PLAN ADMINISTRATOR | $675K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WOLF & COMPANY, P.C. | 04-2689883 | — | AUDITORS | $51K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AGILIS PARTNERS LLC | 04-3513306 | — | ACTUARY | $418K | — |
Other
9| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BLACKROCK INSTITUTIONAL TRUST CO. | 94-3112180 | — | INVESTMENT MGMT | $123K | — |
| HARDMAN JOHNSTON GLOBAL ADVISORS | 13-3257590 | — | INVESTMENT MGMT | $82K | — |
| SELECT EQUITY GROUP, L.P. | 46-3465710 | — | INVESTMENT MGMT | $76K | — |
| MONDRIAN INVESTMENT GROUP | 56-2475915 | — | INVESTMENT MGMT | $68K | — |
| ACADIAN ASSET MANAGEMENT LLC | 04-2929221 | — | INVESTMENT MGMT | $64K | — |
| LEGAL & GENERAL INVEST MGMT AMERICA | 20-8058531 | — | INVESTMENT MGMT | $55K | — |
| INCOME RESEARCH & MANAGEMENT | 04-2955404 | — | INVESTMENT MGMT | $43K | — |
| COPELAND CAPITAL MANAGEMENT, LLC | 20-3145515 | — | INVESTMENT MGMT | $42K | — |
| FIDELITY INSTITUTIONAL ASSET | 20-2159373 | — | INVESTMENT MGMT | $34K | — |
Investments
88 direct securities · 11 pooled funds· $340.5M(100% 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
$257.4M
88 holdings
Common Collective Trust
$64.1M
8 holdings
103-12 Investment Entity
$19.0M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| (UNITS) Investment in CBERA Group Trust, a common collective trust Units of Participation in CBERA Group Trust | — | — | $113.6M | $128.3M | 98.7% | |
| ALTERNATIVE INVESTMENT FUNDS (SHARES/UNITS) * FIDELITY S&P 500 SPARTAN 500 INDEX POOL CL C | — | — | $32.4M | $42.4M | 32.6% | |
| SPARTAN 500 INDEX POOL CLASS C GEODE CAPITAL MGMT TRUST CO., LLC · EIN 82-6293122 / PN 001 | Common Collective Trust | — | — | $39.4M | 30.3% | |
| ACADIAN EME ACADIAN EM SM CAP EQ FD | — | — | $8.1M | $12.0M | 9.3% | |
| SELECT EQUITY SELECT EQUITY | — | — | $8.1M | $10.7M | 8.2% | |
| HJ INTERNATIONAL EQ HARDMAN JOHNSTON I.E. GROUP | — | — | $8.8M | $10.4M | 8.0% | |
| ACADIAN EMERGING MKS SM-CAP EQ FUND ACADIAN ASSET MANAGEMENT LLC · EIN 04-2929221 / PN 014 | 103-12 Investment Entity | — | — | $10.3M | 7.9% | |
| US LONG CORPORATE BOND FUND BLACKROCK INSTITUTIONAL TRUST CO., N.A. · EIN 45-3263231 / PN 001 | Common Collective Trust | — | — | $9.8M | 7.5% | |
| IR&M LONG CORPORATE COLLECTIVE FUND GLOBAL TRUST COMPANY · EIN 37-6567224 / PN 005 | Common Collective Trust | — | — | $8.8M | 6.8% | |
| HARDMAN JOHNSTON INT'L EQ GRP TRUST HARDMAN JOHNSTON GLOBAL ADVISORS LLC · EIN 26-6493485 / PN 001 | 103-12 Investment Entity | — | — | $8.8M | 6.7% | |
| BLACKROCK LDI US LONG CORPORATE BOND FUND | — | — | $8.1M | $8.5M | 6.5% | |
| INCOME INTERMED CORP IR+M LONG CORPORATE COLLECTIVE | — | — | $8.6M | $7.7M | 5.9% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $7.8M | $7.5M | 5.8% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT L&G LONG LIABILITY TREASURY | — | — | $6.8M | $5.7M | 4.3% | |
| IR&M INTERMEDIATE CORP COLLECTIVE GLOBAL TRUST COMPANY · EIN 37-6567224 / PN 006 | Common Collective Trust | — | — | $5.3M | 4.0% | |
| INCOME INTERMED CORP IR+M INTERMEDIATE CORPORATE | — | — | $3.6M | $3.9M | 3.0% | |
| U.S. TREASURY BONDS (PAR) * LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BD CPN STRIP | — | — | $1.9M | $1.9M | 1.5% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $2.8M | $1.5M | 1.1% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $1.2M | $1.2M | 0.9% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $1.2M | $941K | 0.7% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $1.2M | $903K | 0.7% | |
| EB TEMPORARY INVESTMENT THE BANK OF NEW YORK MELLON · EIN 25-6078093 / PN 023 | Common Collective Trust | — | $892K | $892K | 0.7% | |
| LGIMA CUSTOM RECEIVABLE FOR INVESTMENTS SOLD | — | — | $881K | $881K | 0.7% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $765K | $561K | 0.4% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $607K | $536K | 0.4% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $541K | $454K | 0.3% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $522K | $435K | 0.3% | |
| LGIMA CUSTOM CASH - BROKER | — | — | $421K | $421K | 0.3% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $406K | $375K | 0.3% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $344K | $307K | 0.2% | |
| EQUITY SECURITIES (SHARES) ENSIGN GROUP INC/THE SHARES OF COMMON STOCK | — | — | $137K | $280K | 0.2% | |
| CASH AND LIQUID INVESTMENTS (SHARES) * LGIMA CUSTOM EB TEMP INV FD | — | — | $258K | $258K | 0.2% | |
| HAMILTON LANE INC SHARES OF COMMON STOCK | — | — | $170K | $254K | 0.2% | |
| ENCOMPASS HEALTH CORP SHARES OF COMMON STOCK | — | — | $162K | $251K | 0.2% | |
| LEGAL & GENERAL INVESTMENT MANAGEMENT U S TREASURY BOND | — | — | $273K | $249K | 0.2% | |
| LEMAITRE VASCULAR INC SHARES OF COMMON STOCK | — | — | $113K | $232K | 0.2% | |
| FEDERAL AGRICULTURAL MORTGAGE SHARES OF COMMON STOCK | — | — | $110K | $209K | 0.2% | |
| LGIMA CUSTOM INTEREST RECEIVABLE | — | — | $208K | $208K | 0.2% | |
| STANDEX INTERNATIONAL CORP SHARES OF COMMON STOCK | — | — | $102K | $207K | 0.2% | |
| COHEN & STEERS INC SHARES OF COMMON STOCK | — | — | $125K | $199K | 0.2% | |
| HOME BANCSHARES INC/AR SHARES OF COMMON STOCK | — | — | $134K | $196K | 0.2% | |
| CRA INTERNATIONAL INC SHARES OF COMMON STOCK | — | — | $112K | $192K | 0.1% | |
| UMH PROPERTIES INC SHARES OF COMMON STOCK | — | — | $173K | $191K | 0.1% | |
| LAKELAND FINANCIAL CORP SHARES OF COMMON STOCK | — | — | $139K | $188K | 0.1% | |
| BWX TECHNOLOGIES INC SHARES OF COMMON STOCK | — | — | $100K | $179K | 0.1% | |
| ATLAS ENERGY SOLUTIONS INC SHARES OF COMMON STOCK | — | — | $168K | $179K | 0.1% | |
| NORTHERN OIL & GAS INC SHARES OF COMMON STOCK | — | — | $116K | $178K | 0.1% | |
| CHEMED CORP SHARES OF COMMON STOCK | — | — | $145K | $176K | 0.1% | |
| UTZ BRANDS INC SHARES OF COMMON STOCK | — | — | $169K | $175K | 0.1% | |
| AIR LEASE CORP SHARES OF COMMON STOCK | — | — | $169K | $173K | 0.1% | |
| KINSALE CAPITAL GROUP INC SHARES OF COMMON STOCK | — | — | $116K | $171K | 0.1% | |
| SCHNEIDER NATIONAL INC SHARES OF COMMON STOCK | — | — | $142K | $170K | 0.1% | |
| POWER INTEGRATIONS INC SHARES OF COMMON STOCK | — | — | $168K | $167K | 0.1% | |
| TRAVEL + LEISURE CO SHARES OF COMMON STOCK | — | — | $163K | $165K | 0.1% | |
| VALMONT INDUSTRIES INC SHARES OF COMMON STOCK | — | — | $134K | $164K | 0.1% | |
| PRICESMART INC SHARES OF COMMON STOCK | — | — | $146K | $163K | 0.1% | |
| CABOT CORP SHARES OF COMMON STOCK | — | — | $133K | $160K | 0.1% | |
| WINGSTOP INC SHARES OF COMMON STOCK | — | — | $115K | $157K | 0.1% | |
| NAPCO SECURITY TECHNOLOGIES IN SHARES OF COMMON STOCK | — | — | $192K | $156K | 0.1% | |
| HEXCEL CORP SHARES OF COMMON STOCK | — | — | $168K | $156K | 0.1% | |
| NEXSTAR MEDIA GROUP INC SHARES OF COMMON STOCK | — | — | $120K | $151K | 0.1% | |
| CASEY'S GENERAL STORES INC SHARES OF COMMON STOCK | — | — | $80K | $148K | 0.1% | |
| MATERION CORP SHARES OF COMMON STOCK | — | — | $110K | $146K | 0.1% | |
| FIRSTSERVICE CORP SHARES OF COMMON STOCK | — | — | $125K | $146K | 0.1% | |
| TERRENO REALTY CORP SHARES OF COMMON STOCK | — | — | $152K | $144K | 0.1% | |
| CHESAPEAKE UTILITIES CORP SHARES OF COMMON STOCK | — | — | $108K | $143K | 0.1% | |
| KULICKE & SOFFA INDUSTRIES INC SHARES OF COMMON STOCK | — | — | $150K | $143K | 0.1% | |
| COPELAND SMALL CAP EB TEMP INV FD | — | — | $142K | $142K | 0.1% | |
| SHOE CARNIVAL INC SHARES OF COMMON STOCK | — | — | $100K | $142K | 0.1% | |
| PERRIGO CO PLC SHARES OF COMMON STOCK | — | — | $185K | $141K | 0.1% | |
| LANDSTAR SYSTEM INC SHARES OF COMMON STOCK | — | — | $112K | $139K | 0.1% | |
| ALLISON TRANSMISSION HOLDINGS SHARES OF COMMON STOCK | — | — | $61K | $138K | 0.1% | |
| NEXPOINT RESIDENTIAL TRUST INC SHARES OF COMMON STOCK | — | — | $122K | $137K | 0.1% | |
| TETRA TECH INC SHARES OF COMMON STOCK | — | — | $89K | $133K | 0.1% | |
| BRUNSWICK CORP/DE SHARES OF COMMON STOCK | — | — | $136K | $132K | 0.1% | |
| LITTELFUSE INC SHARES OF COMMON STOCK | — | — | $105K | $131K | 0.1% | |
| MATADOR RESOURCES CO SHARES OF COMMON STOCK | — | — | $121K | $130K | <0.1% | |
| UNIFIRST CORP/MA SHARES OF COMMON STOCK | — | — | $134K | $129K | <0.1% | |
| CONCENTRIX CORP SHARES OF COMMON STOCK | — | — | $202K | $128K | <0.1% | |
| UFP INDUSTRIES INC SHARES OF COMMON STOCK | — | — | $99K | $123K | <0.1% | |
| UNIVERSAL DISPLAY CORP SHARES OF COMMON STOCK | — | — | $143K | $122K | <0.1% | |
| QUAKER CHEMICAL CORP SHARES OF COMMON STOCK | — | — | $148K | $115K | <0.1% | |
| KFORCE INC SHARES OF COMMON STOCK | — | — | $119K | $112K | <0.1% | |
| CLEAR SECURE INC SHARES OF COMMON STOCK | — | — | $109K | $111K | <0.1% | |
| MSA SAFETY INC SHARES OF COMMON STOCK | — | — | $115K | $110K | <0.1% | |
| SHUTTERSTOCK INC SHARES OF COMMON STOCK | — | — | $174K | $108K | <0.1% | |
| PATRICK INDUSTRIES INC SHARES OF COMMON STOCK | — | — | $108K | $108K | <0.1% | |
| SENSATA TECHNOLOGIES HOLDING P SHARES OF COMMON STOCK | — | — | $151K | $101K | <0.1% | |
| IRADIMED CORP SHARES OF COMMON STOCK | — | — | $76K | $97K | <0.1% | |
| WINMARK CORP SHARES OF COMMON STOCK | — | — | $92K | $96K | <0.1% | |
| EXP WORLD HOLDINGS INC SHARES OF COMMON STOCK | — | — | $146K | $95K | <0.1% | |
| INSPERITY INC SHARES OF COMMON STOCK | — | — | $95K | $73K | <0.1% | |
| HEALTHSTREAM INC SHARES OF COMMON STOCK | — | — | $45K | $46K | <0.1% | |
| COPELAND SMALL CAP DIVIDENDS RECEIVABLE | — | — | $12K | $12K | <0.1% | |
| COPELAND SMALL CAP DIVIDENDS RECEIVABLE RECLAIM | — | — | $7K | $7K | <0.1% | |
| FIAM EME SM CAP POOL FIDELITY INSTITUTIONAL ASSET MGMT TRUST COMPANY · EIN 20-4659714 / PN 119 | Common Collective Trust | — | — | $0 | <0.1% | |
| LONG TERM CREDIT BOND INDEX FUND BLACKROCK INSTITUTIONAL TRUST CO., N.A. · EIN 94-6450621 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| SHORT-TERM INVESTMENT FUND BLACKROCK INSTITUTIONAL TRUST CO., N.A. · EIN 94-6450621 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| MONDRIAN EMERGING MKS DEBT FUND MONDRIAN INVESTMENT GROUP US, INC. · EIN 20-3583794 / PN 010 | 103-12 Investment Entity | — | — | $0 | <0.1% |