Original filing (PDF)20250625163356NAL0011833200001

WATERSTONE BANK SSB ESOP

Name: WATERSTONE BANK SSB ESOP — 2015 AMENDED AND RESTATED WATERSTONE BANK SSB EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: WATERSTONE BANK SSB ESOP

Form 5500

FILING_RECEIVED

2015 AMENDED AND RESTATED WATERSTONE BANK SSB EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 3

56% in single holding100% employer stockNo recordkeeper disclosed

Active participants

138

Accounts w/ balance

232

Plan assets (EOY)

$28.9M

Net assets (EOY)

$15.8M

How this plan invests

This plan

3 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Total plan cost

100

Vendor stack

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WATERSTONE BANK SSB ESOP.

Plan sponsor

Name

WATERSTONE BANK SSB ESOP

EIN

39-0691250

Address

11200 W PLANK COURT · WAUWATOSA, WI · 532263250

Phone

(414) 459-4028

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

003

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-06-25

Pension benefit codes

2I · Stock bonus

2P · Leveraged ESOP

3I · Requires investment in employer securities

Audit & trust (Schedule H)

Auditor

WIPFLI LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

1 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY	42-0127290	—	CONTRACT ADMINISTRATOR	$1K	—

Investments

3 direct securities· $28.9M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Waterstone Financial, Inc. common stock	—	—	$13.2M	$16.1M	55.9%
Waterstone Financial, Inc. common stock	—	—	$10.7M	$12.7M	44.1%
Institutional U.S. Government Northern Trust Select Portfolio	—	—	$7K	$7K	<0.1%