Civic Intelligence

CORNERSTONE BANK

Plan context: Cornerstone Bank 401(K) Plan

EIN 04-1856390 • 65 filings • 7 plans

Current Snapshot

Latest Year

2024

2024 Participants

183

2024 Assets

$33,397,543

2024 Contributions

$2,762,022

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$44,881,306$22,440,653$0199920132024YearValue
$33,397,543Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

183920199920122024YearValue
183Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20242183$33,397,543$2,762,022$15,093iApproximate average salary by contribution assumption: employee only about $377,325 at 4% or $251,550 at 6%; with 50% employer match about $251,550 at 4% or $167,700 at 6%; with 100% employer match about $188,663 at 4% or $125,775 at 6%.
Cornerstone Bank 401(K) Plan-174$33,397,543$2,762,022$15,874iApproximate average salary by contribution assumption: employee only about $396,842 at 4% or $264,561 at 6%; with 50% employer match about $264,561 at 4% or $176,374 at 6%; with 100% employer match about $198,421 at 4% or $132,281 at 6%.
Cornerstone Bank Health Welfare Plan-183---
20234182$44,881,306$3,037,923$16,692iApproximate average salary by contribution assumption: employee only about $417,297 at 4% or $278,198 at 6%; with 50% employer match about $278,198 at 4% or $185,465 at 6%; with 100% employer match about $208,649 at 4% or $139,099 at 6%.
Cornerstone Bank 401(K) Plan-174$29,481,507$3,037,923$17,459iApproximate average salary by contribution assumption: employee only about $436,483 at 4% or $290,989 at 6%; with 50% employer match about $290,989 at 4% or $193,993 at 6%; with 100% employer match about $218,242 at 4% or $145,494 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-45$15,399,799--
Cornerstone Bank Health Welfare Plan-182---
Sbera Pension Plan as Adopted by Southbridge Savings Bank-0---
20224174$37,908,963$2,727,763$15,677iApproximate average salary by contribution assumption: employee only about $391,920 at 4% or $261,280 at 6%; with 50% employer match about $261,280 at 4% or $174,187 at 6%; with 100% employer match about $195,960 at 4% or $130,640 at 6%.
Cornerstone Bank 401(K) Plan-158$23,789,223$2,727,763$17,264iApproximate average salary by contribution assumption: employee only about $431,608 at 4% or $287,739 at 6%; with 50% employer match about $287,739 at 4% or $191,826 at 6%; with 100% employer match about $215,804 at 4% or $143,869 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-15$7,303,137--
Sbera Pension Plan as Adopted by Spencer Savings Bank-35$6,816,603--
Cornerstone Bank Health Welfare Plan-174---
20214164$41,702,846$2,460,195$15,001iApproximate average salary by contribution assumption: employee only about $375,030 at 4% or $250,020 at 6%; with 50% employer match about $250,020 at 4% or $166,680 at 6%; with 100% employer match about $187,515 at 4% or $125,010 at 6%.
Cornerstone Bank 401(K) Plan-164$27,600,914$2,460,195$15,001iApproximate average salary by contribution assumption: employee only about $375,030 at 4% or $250,020 at 6%; with 50% employer match about $250,020 at 4% or $166,680 at 6%; with 100% employer match about $187,515 at 4% or $125,010 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-37$7,068,725--
Sbera Pension Plan as Adopted by Southbridge Savings Bank-17$7,033,207--
Cornerstone Bank Health Welfare Plan-140---
20204159$43,344,159$2,826,613$17,777iApproximate average salary by contribution assumption: employee only about $444,436 at 4% or $296,291 at 6%; with 50% employer match about $296,291 at 4% or $197,527 at 6%; with 100% employer match about $222,218 at 4% or $148,145 at 6%.
Cornerstone Bank 401(K) Plan-158$23,659,586$2,826,613$17,890iApproximate average salary by contribution assumption: employee only about $447,249 at 4% or $298,166 at 6%; with 50% employer match about $298,166 at 4% or $198,777 at 6%; with 100% employer match about $223,624 at 4% or $149,083 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-24$9,929,523--
Sbera Pension Plan as Adopted by Spencer Savings Bank-42$9,755,050--
Cornerstone Bank Health Welfare Plan-159---
20194170$38,223,193$4,939,870$29,058iApproximate average salary by contribution assumption: employee only about $726,451 at 4% or $484,301 at 6%; with 50% employer match about $484,301 at 4% or $322,867 at 6%; with 100% employer match about $363,226 at 4% or $242,150 at 6%.
Cornerstone Bank 401(K) Plan-170$19,738,671$2,942,870$17,311iApproximate average salary by contribution assumption: employee only about $432,775 at 4% or $288,517 at 6%; with 50% employer match about $288,517 at 4% or $192,344 at 6%; with 100% employer match about $216,388 at 4% or $144,258 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-51$9,973,668$1,065,000$20,882iApproximate average salary by contribution assumption: employee only about $522,059 at 4% or $348,039 at 6%; with 50% employer match about $348,039 at 4% or $232,026 at 6%; with 100% employer match about $261,029 at 4% or $174,020 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-28$8,510,854$932,000$33,286iApproximate average salary by contribution assumption: employee only about $832,143 at 4% or $554,762 at 6%; with 50% employer match about $554,762 at 4% or $369,841 at 6%; with 100% employer match about $416,071 at 4% or $277,381 at 6%.
Cornerstone Bank Health Welfare Plan-159---
20185177$31,903,289$4,307,833$24,338iApproximate average salary by contribution assumption: employee only about $608,451 at 4% or $405,634 at 6%; with 50% employer match about $405,634 at 4% or $270,423 at 6%; with 100% employer match about $304,225 at 4% or $202,817 at 6%.
Cornerstone Bank 401(K) Plan-177$14,921,794$1,418,947$8,017iApproximate average salary by contribution assumption: employee only about $200,416 at 4% or $133,611 at 6%; with 50% employer match about $133,611 at 4% or $89,074 at 6%; with 100% employer match about $100,208 at 4% or $66,805 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-60$9,343,974$989,200$16,487iApproximate average salary by contribution assumption: employee only about $412,167 at 4% or $274,778 at 6%; with 50% employer match about $274,778 at 4% or $183,185 at 6%; with 100% employer match about $206,083 at 4% or $137,389 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-31$7,637,521$1,083,000$34,935iApproximate average salary by contribution assumption: employee only about $873,387 at 4% or $582,258 at 6%; with 50% employer match about $582,258 at 4% or $388,172 at 6%; with 100% employer match about $436,694 at 4% or $291,129 at 6%.
Cornerstone Bank Health Welfare Plan-167---
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-0-$816,686-
20175146$28,436,682$1,138,130$7,795iApproximate average salary by contribution assumption: employee only about $194,885 at 4% or $129,924 at 6%; with 50% employer match about $129,924 at 4% or $86,616 at 6%; with 100% employer match about $97,443 at 4% or $64,962 at 6%.
Cornerstone Bank 401(K) Plan-107$8,753,876$611,293$5,713iApproximate average salary by contribution assumption: employee only about $142,825 at 4% or $95,217 at 6%; with 50% employer match about $95,217 at 4% or $63,478 at 6%; with 100% employer match about $71,413 at 4% or $47,608 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-65$8,048,949$45,000$692iApproximate average salary by contribution assumption: employee only about $17,308 at 4% or $11,538 at 6%; with 50% employer match about $11,538 at 4% or $7,692 at 6%; with 100% employer match about $8,654 at 4% or $5,769 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-34$6,142,389$130,000$3,824iApproximate average salary by contribution assumption: employee only about $95,588 at 4% or $63,725 at 6%; with 50% employer match about $63,725 at 4% or $42,484 at 6%; with 100% employer match about $47,794 at 4% or $31,863 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-78$5,491,468$351,837$4,511iApproximate average salary by contribution assumption: employee only about $112,768 at 4% or $75,179 at 6%; with 50% employer match about $75,179 at 4% or $50,119 at 6%; with 100% employer match about $56,384 at 4% or $37,589 at 6%.
Cornerstone Bank Health Welfare Plan-146---
2016387$19,840,627$521,281$5,992iApproximate average salary by contribution assumption: employee only about $149,793 at 4% or $99,862 at 6%; with 50% employer match about $99,862 at 4% or $66,575 at 6%; with 100% employer match about $74,897 at 4% or $49,931 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-75$8,153,468$185,000$2,467iApproximate average salary by contribution assumption: employee only about $61,667 at 4% or $41,111 at 6%; with 50% employer match about $41,111 at 4% or $27,407 at 6%; with 100% employer match about $30,833 at 4% or $20,556 at 6%.
Sbera Pension Plan as Adopted by Southbridge Savings Bank-39$6,778,746--
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-87$4,908,413$336,281$3,865iApproximate average salary by contribution assumption: employee only about $96,632 at 4% or $64,422 at 6%; with 50% employer match about $64,422 at 4% or $42,948 at 6%; with 100% employer match about $48,316 at 4% or $32,211 at 6%.
2015297$12,154,843$1,628,922$16,793iApproximate average salary by contribution assumption: employee only about $419,825 at 4% or $279,884 at 6%; with 50% employer match about $279,884 at 4% or $186,589 at 6%; with 100% employer match about $209,913 at 4% or $139,942 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-82$7,837,699$1,270,000$15,488iApproximate average salary by contribution assumption: employee only about $387,195 at 4% or $258,130 at 6%; with 50% employer match about $258,130 at 4% or $172,087 at 6%; with 100% employer match about $193,598 at 4% or $129,065 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-97$4,317,144$358,922$3,700iApproximate average salary by contribution assumption: employee only about $92,506 at 4% or $61,670 at 6%; with 50% employer match about $61,670 at 4% or $41,114 at 6%; with 100% employer match about $46,253 at 4% or $30,835 at 6%.
2014294$10,727,704$859,055$9,139iApproximate average salary by contribution assumption: employee only about $228,472 at 4% or $152,315 at 6%; with 50% employer match about $152,315 at 4% or $101,543 at 6%; with 100% employer match about $114,236 at 4% or $76,157 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-84$6,622,429$513,000$6,107iApproximate average salary by contribution assumption: employee only about $152,679 at 4% or $101,786 at 6%; with 50% employer match about $101,786 at 4% or $67,857 at 6%; with 100% employer match about $76,339 at 4% or $50,893 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-94$4,105,275$346,055$3,681iApproximate average salary by contribution assumption: employee only about $92,036 at 4% or $61,357 at 6%; with 50% employer match about $61,357 at 4% or $40,905 at 6%; with 100% employer match about $46,018 at 4% or $30,679 at 6%.
2013296$10,274,926$1,336,669$13,924iApproximate average salary by contribution assumption: employee only about $348,091 at 4% or $232,061 at 6%; with 50% employer match about $232,061 at 4% or $154,707 at 6%; with 100% employer match about $174,045 at 4% or $116,030 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-89$6,555,027$950,000$10,674iApproximate average salary by contribution assumption: employee only about $266,854 at 4% or $177,903 at 6%; with 50% employer match about $177,903 at 4% or $118,602 at 6%; with 100% employer match about $133,427 at 4% or $88,951 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-96$3,719,899$386,669$4,028iApproximate average salary by contribution assumption: employee only about $100,695 at 4% or $67,130 at 6%; with 50% employer match about $67,130 at 4% or $44,753 at 6%; with 100% employer match about $50,348 at 4% or $33,565 at 6%.
2012295$9,270,656$539,224$5,676iApproximate average salary by contribution assumption: employee only about $141,901 at 4% or $94,601 at 6%; with 50% employer match about $94,601 at 4% or $63,067 at 6%; with 100% employer match about $70,951 at 4% or $47,300 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-85$6,020,835$25,391$299iApproximate average salary by contribution assumption: employee only about $7,468 at 4% or $4,979 at 6%; with 50% employer match about $4,979 at 4% or $3,319 at 6%; with 100% employer match about $3,734 at 4% or $2,489 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-95$3,249,821$513,833$5,409iApproximate average salary by contribution assumption: employee only about $135,219 at 4% or $90,146 at 6%; with 50% employer match about $90,146 at 4% or $60,097 at 6%; with 100% employer match about $67,610 at 4% or $45,073 at 6%.
2011292$8,140,357$1,315,461$14,298iApproximate average salary by contribution assumption: employee only about $357,462 at 4% or $238,308 at 6%; with 50% employer match about $238,308 at 4% or $158,872 at 6%; with 100% employer match about $178,731 at 4% or $119,154 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-82$5,676,124$1,040,334$12,687iApproximate average salary by contribution assumption: employee only about $317,175 at 4% or $211,450 at 6%; with 50% employer match about $211,450 at 4% or $140,967 at 6%; with 100% employer match about $158,588 at 4% or $105,725 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-92$2,464,233$275,127$2,991iApproximate average salary by contribution assumption: employee only about $74,763 at 4% or $49,842 at 6%; with 50% employer match about $49,842 at 4% or $33,228 at 6%; with 100% employer match about $37,381 at 4% or $24,921 at 6%.
2010289$6,862,948$624,822$7,020iApproximate average salary by contribution assumption: employee only about $175,512 at 4% or $117,008 at 6%; with 50% employer match about $117,008 at 4% or $78,005 at 6%; with 100% employer match about $87,756 at 4% or $58,504 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-83$4,328,282$221,567$2,669iApproximate average salary by contribution assumption: employee only about $66,737 at 4% or $44,491 at 6%; with 50% employer match about $44,491 at 4% or $29,661 at 6%; with 100% employer match about $33,369 at 4% or $22,246 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-89$2,534,666$403,255$4,531iApproximate average salary by contribution assumption: employee only about $113,274 at 4% or $75,516 at 6%; with 50% employer match about $75,516 at 4% or $50,344 at 6%; with 100% employer match about $56,637 at 4% or $37,758 at 6%.
2009288$6,037,987$270,864$3,078iApproximate average salary by contribution assumption: employee only about $76,950 at 4% or $51,300 at 6%; with 50% employer match about $51,300 at 4% or $34,200 at 6%; with 100% employer match about $38,475 at 4% or $25,650 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-88$4,103,576--
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-80$1,934,411$270,864$3,386iApproximate average salary by contribution assumption: employee only about $84,645 at 4% or $56,430 at 6%; with 50% employer match about $56,430 at 4% or $37,620 at 6%; with 100% employer match about $42,323 at 4% or $28,215 at 6%.
2008166$1,505,990$208,765$3,163iApproximate average salary by contribution assumption: employee only about $79,078 at 4% or $52,718 at 6%; with 50% employer match about $52,718 at 4% or $35,146 at 6%; with 100% employer match about $39,539 at 4% or $26,359 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-66$1,505,990$208,765$3,163iApproximate average salary by contribution assumption: employee only about $79,078 at 4% or $52,718 at 6%; with 50% employer match about $52,718 at 4% or $35,146 at 6%; with 100% employer match about $39,539 at 4% or $26,359 at 6%.
2007280$0$0-
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-64---
Sbera Pension Plan as Adopted by Spencer Savings Bank-80---
2006272$6,501,663$471,414$6,547iApproximate average salary by contribution assumption: employee only about $163,685 at 4% or $109,124 at 6%; with 50% employer match about $109,124 at 4% or $72,749 at 6%; with 100% employer match about $81,843 at 4% or $54,562 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-72$4,825,311$312,201$4,336iApproximate average salary by contribution assumption: employee only about $108,403 at 4% or $72,269 at 6%; with 50% employer match about $72,269 at 4% or $48,179 at 6%; with 100% employer match about $54,202 at 4% or $36,134 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-67$1,676,352$159,213$2,376iApproximate average salary by contribution assumption: employee only about $59,408 at 4% or $39,605 at 6%; with 50% employer match about $39,605 at 4% or $26,403 at 6%; with 100% employer match about $29,704 at 4% or $19,803 at 6%.
2005264$1,621,682$167,889$2,623iApproximate average salary by contribution assumption: employee only about $65,582 at 4% or $43,721 at 6%; with 50% employer match about $43,721 at 4% or $29,147 at 6%; with 100% employer match about $32,791 at 4% or $21,861 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-49$1,621,682$167,889$3,426iApproximate average salary by contribution assumption: employee only about $85,658 at 4% or $57,105 at 6%; with 50% employer match about $57,105 at 4% or $38,070 at 6%; with 100% employer match about $42,829 at 4% or $28,553 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-64---
2004250$7,353,210$184,166$3,683iApproximate average salary by contribution assumption: employee only about $92,083 at 4% or $61,389 at 6%; with 50% employer match about $61,389 at 4% or $40,926 at 6%; with 100% employer match about $46,042 at 4% or $30,694 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-50$5,992,920$30,909$618iApproximate average salary by contribution assumption: employee only about $15,454 at 4% or $10,303 at 6%; with 50% employer match about $10,303 at 4% or $6,869 at 6%; with 100% employer match about $7,727 at 4% or $5,152 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-42$1,360,290$153,257$3,649iApproximate average salary by contribution assumption: employee only about $91,224 at 4% or $60,816 at 6%; with 50% employer match about $60,816 at 4% or $40,544 at 6%; with 100% employer match about $45,612 at 4% or $30,408 at 6%.
2003242$6,660,992$295,889$7,045iApproximate average salary by contribution assumption: employee only about $176,124 at 4% or $117,416 at 6%; with 50% employer match about $117,416 at 4% or $78,278 at 6%; with 100% employer match about $88,062 at 4% or $58,708 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-41$5,505,629$152,393$3,717iApproximate average salary by contribution assumption: employee only about $92,923 at 4% or $61,948 at 6%; with 50% employer match about $61,948 at 4% or $41,299 at 6%; with 100% employer match about $46,461 at 4% or $30,974 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-42$1,155,363$143,496$3,417iApproximate average salary by contribution assumption: employee only about $85,414 at 4% or $56,943 at 6%; with 50% employer match about $56,943 at 4% or $37,962 at 6%; with 100% employer match about $42,707 at 4% or $28,471 at 6%.
2002246$1,027,275$139,201$3,026iApproximate average salary by contribution assumption: employee only about $75,653 at 4% or $50,435 at 6%; with 50% employer match about $50,435 at 4% or $33,623 at 6%; with 100% employer match about $37,826 at 4% or $25,218 at 6%.
Sbera 401(K) Plan as Adopted by Spencer Savings Bank-46$1,027,275$139,201$3,026iApproximate average salary by contribution assumption: employee only about $75,653 at 4% or $50,435 at 6%; with 50% employer match about $50,435 at 4% or $33,623 at 6%; with 100% employer match about $37,826 at 4% or $25,218 at 6%.
Sbera Pension Plan as Adopted by Spencer Savings Bank-42---
2001147$0$0-
Sbera Pension Plan as Adopted by Spencer Savings Bank-47---
2000139$0$0-
Sbera Pension Plan as Adopted by Spencer Savings Bank-39---
1999140$4,736,579$0-
Sbera Pension Plan as Adopted by Spencer Savings Bank-40$4,736,579--