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Original filing (PDF)20250616125745NAL0002368226001
INSTITUTION FOR SAVINGS IN NEWBURYPORT
Form 5500
FILING_RECEIVED
THE DEFINED BENEFIT PLAN OF THE INSTITUTION FOR SAVINGS IN NEWBURYPORT
Defined-benefit pension plan
Signals · 3
~96 bps in Sched C feesNo recordkeeper disclosed12 service providers
Active participants
161
Accounts w/ balance
—
Plan assets (EOY)
$65.3M
Net assets (EOY)
$65.2M
How this plan invests
This plan
7 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
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
- 96 bps in Schedule C fees — 499% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (12 disclosed providers, 5 categories).
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INSTITUTION FOR SAVINGS IN NEWBURYPORT.
Plan sponsor
Name
INSTITUTION FOR SAVINGS IN NEWBURYPORT
EIN
92-1546128
Address
93 STATE STREET · NEWBURYPORT, MA · 01950
Phone
(978) 462-3106
Industry
Finance & Insurancesee all
Plan administrator
Name
COOPERATIVE BANKS EMPLOYEES RETIREMENT ASSOCIATION
EIN
04-6035593
City
NORWOOD, MA
Phone
(781) 551-8500
Plan characteristics
Plan number
001
Plan year
2023
Plan year begin
2023-11-01
Tax period
2024-10-31
Filed
2025-06-16
Pension benefit codes
1A · Pay-related DB formula
Audit & trust (Schedule H)
Auditor
WOLF & COMPANY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
12 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BANK OF NEW YORK MELLON | 13-5160382 | — | CUSTODIAL SECURITIES | $31K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEPC, LLC | 26-1429809 | — | INVESTMENT ADVISOR | $77K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COOP. BANKS EMPLOYEES RET ASSN. | 04-6035593 | — | PLAN ADMINISTRATOR | $159K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AGILIS PARTNERS LLC | 04-3513306 | — | ACTUARY | $33K | — |
Other
8| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ACADIAN ASSET MANAGEMENT LLC | 04-2929221 | — | INVESTMENT MGMT | $98K | — |
| HARDMAN JOHNSTON GLOBAL ADVISORS | 13-3257590 | — | INVESTMENT MGMT | $65K | — |
| SELECT EQUITY GROUP, L.P. | 46-3465710 | — | INVESTMENT MGMT | $61K | — |
| COPELAND CAPITAL MANAGEMENT, LLC | 20-3145515 | — | INVESTMENT MGMT | $26K | — |
| BLACKROCK INSTITUTION TRUST CO. | 94-3112180 | — | INVESTMENT MGMT | $25K | — |
| MONDRIAN INVESTMENT GROUP | 56-2475915 | — | INVESTMENT MGMT | $24K | — |
| FIDELITY INSTITUTIONAL ASSET | 20-2159373 | — | INVESTMENT MGMT | $19K | — |
| LEGAL & GENERAL INVEST MGMT AMERICA | 20-8058531 | — | INVESTMENT MGMT | $8K | — |
Investments
7 pooled funds· $37.5M(57% 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
$30.8M
6 holdings
103-12 Investment Entity
$6.7M
1 holding
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| SPARTAN 500 INDEX POOL CLASS C GEODE CAPITAL MGMT TRUST CO., LLC · EIN 82-6293122 / PN 001 | Common Collective Trust | $24.2M | 37.0% |
| HARDMAN JOHNSTON INT'L EQ GRP TRUST HARDMAN JOHNSTON GLOBAL ADVISORS LLC · EIN 26-6493485 / PN 001 | 103-12 Investment Entity | $6.7M | 10.2% |
| LONG TERM CREDIT BOND INDEX FUND BLACKROCK INSTITUTIONAL TRUST CO., N.A · EIN 94-3118550 / PN 001 | Common Collective Trust | $3.4M | 5.2% |
| IR+M LONG CORPORATE COLLECTIVE FUND GLOBAL TRUST COMPANY · EIN 37-6567224 / PN 005 | Common Collective Trust | $3.1M | 4.7% |
| EB TEMPORARY INVESTMENT THE BANK OF NEW YORK MELLON · EIN 25-6078093 / PN 023 | Common Collective Trust | $237K | 0.4% |
| SHORT TERM INVESTMENT FUND BLACKROCK INSTITUTIONAL TRUST CO., N.A. · EIN 94-6450621 / PN 001 | Common Collective Trust | $0 | <0.1% |
| FIAM EME SM CAP POOL FIDELITY INSTITUTIONAL ASSET MGMT TRUST COMPANY · EIN 20-4659714 / PN 119 | Common Collective Trust | $0 | <0.1% |