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Original filing (PDF)20251218093909NAL0005271457001
LIBERTY BANK
Form 5500
FILING_RECEIVED
LIBERTY BANK 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 1.1 moNo recordkeeper disclosed
Active participants
823
Accounts w/ balance
1,005
Plan assets (EOY)
$126.0M
Net assets (EOY)
$126.0M
How this plan invests
This plan
14 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
96
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Filed 1.1 months past the 10.5-month grace window.
- 21 bps in Schedule C fees — 107% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LIBERTY BANK.
Plan sponsor
Name
LIBERTY BANK
EIN
06-0452570
Address
245 LONG HILL ROAD · MIDDLETOWN, CT · 06457
Phone
(860) 344-7230
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-12-18
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
GRANT THORNTON LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $176K | — |
| NEPC LLC | 26-1429809 | — | NONE | $58K | — |
| GRANT THORNTON LLP | 36-6055558 | — | NONE | $26K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $208 | — |
Investments
14 direct securities · 14 pooled funds· $132.5M(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
$87.2M
14 holdings
Common Collective Trust
$38.8M
13 holdings
Pooled Separate Account
$6.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TROWE PRICE BLUE CHIP GRTH INS Mutual Funds | — | — | — | $15.5M | 12.3% | |
| FIDELITY 500 INDEX Mutual Funds | — | — | — | $15.1M | 12.0% | |
| T. ROWE PRICE RET 2030 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $12.8M | 10.1% | |
| SCHWAB FDMTL US LG CO IDX Mutual Funds | — | — | — | $12.5M | 9.9% | |
| EUROPACIFIC GROWTH R6 Mutual Funds | — | — | — | $8.8M | 7.0% | |
| PIMCO TOTAL RETURN FUND Mutual Funds | — | — | — | $7.3M | 5.8% | |
| NEW YORK LIFE ANCHOR ACCT IV Pooled Separate Account | — | — | — | $6.4M | 5.1% | |
| STABLE VALUE ACCOUNT NEW YORK LIFE INSURANCE COMPANY · EIN 13-5582869 / PN 125 | Pooled Separate Account | — | — | $6.4M | 5.1% | |
| T. ROWE PRICE RET 2040 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $6.1M | 4.9% | |
| T. ROWE PRICE RET 2050 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $5.0M | 4.0% | |
| T. ROWE PRICE RET 2025 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $4.7M | 3.8% | |
| FIDELITY EXTENDED MARKET INDEX Mutual Funds | — | — | — | $3.7M | 3.0% | |
| VICTORY ESTABLISHED VALUE I Mutual Funds | — | — | — | $3.6M | 2.8% | |
| SCHWAB PCRA Self-Directed Brokerage Account | — | — | — | $3.5M | 2.8% | |
| TROWE QM US SMALLCAP GRTH EQ I Mutual Funds | — | — | — | $3.0M | 2.3% | |
| T. ROWE PRICE RET 2035 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $2.7M | 2.2% | |
| BARON GROWTH INSTITUTIONAL Registered Investment Company | — | — | — | $2.5M | 2.0% | |
| T. ROWE PRICE RET 2045 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $2.1M | 1.7% | |
| FIDELITY US BOND INDEX Mutual Funds | — | — | — | $2.0M | 1.6% | |
| PARTICIPANT LOANS (3.25% - 8.50%) | — | — | — | $1.9M | 1.5% | |
| T. ROWE PRICE RET 2020 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $1.6M | 1.3% | |
| FIDELITY GLOBAL EX US INDEX Mutual Funds | — | — | — | $1.6M | 1.2% | |
| T. ROWE PRICE RET 2055 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $1.3M | 1.1% | |
| T. ROWE PRICE RET 2060 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $1.0M | 0.8% | |
| T. ROWE PRICE RET 2005 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $684K | 0.5% | |
| T. ROWE PRICE RET 2015 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $303K | 0.2% | |
| T. ROWE PRICE RET 2010 ACTIVE TR T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $249K | 0.2% | |
| T.ROWE PRICE RETIREMENT 2065 TRUST T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $156K | 0.1% |
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