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Original filing (PDF)20250730134321NAL0005706096001
MIDDLESEX SAVINGS BANK
Form 5500
FILING_RECEIVED
SBERA 401(K) PLAN AS ADOPTED BY MIDDLESEX SAVINGS BANK
401(k) retirement plan
Signals · 2
99% in single holdingNo recordkeeper disclosed
Active participants
513
Accounts w/ balance
605
Plan assets (EOY)
$103.7M
Net assets (EOY)
$103.7M
How this plan invests
This plan
1 pooled trust
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
75
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Plan interest in Savings Banks Employees Savings Banks Employees Retirement Retirement Association Association Common Collective Trust" is 99% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MIDDLESEX SAVINGS BANK.
Plan sponsor
Name
MIDDLESEX SAVINGS BANK
EIN
27-0402195
Address
6 MAIN STREET · NATICK, MA · 01760
Phone
(508) 315-5370
Industry
Finance & Insurancesee all
Plan administrator
Name
NRS, LLC
EIN
81-5140646
City
WOBURN, MA
Phone
(781) 938-6559
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-30
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
JOHNSON OCONNOR FERON & CARUCCI LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
1 direct security · 1 pooled fund· $103.7M(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.
Common Collective Trust
$102.7M
1 holding
Uncategorized
$1.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SBERA COMMON COLLECTIVE TRUST SBERA · EIN 04-2004337 / PN 001 | Common Collective Trust | — | — | $102.7M | 99.0% | |
| Participant Loans Notes with per annum interest rates ranging from 4.25% to 9.50% - 0 - | — | — | — | $1.0M | 1.0% |
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