Civic Intelligence

Epstein Financial Services

Plan context: E F S Retirement Plan

EIN 04-2780223 • East Longmeadow, MA • 33 filings • 3 plans

12 Somers RoadEast Longmeadow, MA 01028
Current Snapshot

Latest Year

2021

2021 Participants

12

2021 Assets

$1,725,780

2021 Contributions

$106,908

Historical Graphs

Total Assets Over Time

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

$3,261,864$1,630,932$0200120112020YearValue
$1,725,780Latest year 2020

Participants Over Time

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

1260200020102020YearValue
12Latest year 2020

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
202110$0$106,908-
E F S Retirement Plan-0$0$106,908-
2020212$1,725,780$133,474$11,123iApproximate average salary by contribution assumption: employee only about $278,071 at 4% or $185,381 at 6%; with 50% employer match about $185,381 at 4% or $123,587 at 6%; with 100% employer match about $139,035 at 4% or $92,690 at 6%.
E F S Retirement Plan-12$1,725,780$133,474$11,123iApproximate average salary by contribution assumption: employee only about $278,071 at 4% or $185,381 at 6%; with 50% employer match about $185,381 at 4% or $123,587 at 6%; with 100% employer match about $139,035 at 4% or $92,690 at 6%.
Epstein Financial Services Cash Balance Plan-0$0$0-
2019211$3,261,864$310,140$28,195iApproximate average salary by contribution assumption: employee only about $704,864 at 4% or $469,909 at 6%; with 50% employer match about $469,909 at 4% or $313,273 at 6%; with 100% employer match about $352,432 at 4% or $234,955 at 6%.
Epstein Financial Services Cash Balance Plan-11$1,949,387$175,423$15,948iApproximate average salary by contribution assumption: employee only about $398,689 at 4% or $265,792 at 6%; with 50% employer match about $265,792 at 4% or $177,195 at 6%; with 100% employer match about $199,344 at 4% or $132,896 at 6%.
E F S Retirement Plan-10$1,312,477$134,717$13,472iApproximate average salary by contribution assumption: employee only about $336,793 at 4% or $224,528 at 6%; with 50% employer match about $224,528 at 4% or $149,686 at 6%; with 100% employer match about $168,396 at 4% or $112,264 at 6%.
2018212$2,727,770$395,683$32,974iApproximate average salary by contribution assumption: employee only about $824,340 at 4% or $549,560 at 6%; with 50% employer match about $549,560 at 4% or $366,373 at 6%; with 100% employer match about $412,170 at 4% or $274,780 at 6%.
Epstein Financial Services Cash Balance Plan-12$1,683,200$171,149$14,262iApproximate average salary by contribution assumption: employee only about $356,560 at 4% or $237,707 at 6%; with 50% employer match about $237,707 at 4% or $158,471 at 6%; with 100% employer match about $178,280 at 4% or $118,853 at 6%.
E F S Retirement Plan-11$1,044,570$224,534$20,412iApproximate average salary by contribution assumption: employee only about $510,305 at 4% or $340,203 at 6%; with 50% employer match about $340,203 at 4% or $226,802 at 6%; with 100% employer match about $255,152 at 4% or $170,102 at 6%.
2017211$2,344,723$441,039$40,094iApproximate average salary by contribution assumption: employee only about $1,002,361 at 4% or $668,241 at 6%; with 50% employer match about $668,241 at 4% or $445,494 at 6%; with 100% employer match about $501,181 at 4% or $334,120 at 6%.
Epstein Financial Services Cash Balance Plan-10$1,242,475$169,351$16,935iApproximate average salary by contribution assumption: employee only about $423,377 at 4% or $282,252 at 6%; with 50% employer match about $282,252 at 4% or $188,168 at 6%; with 100% employer match about $211,689 at 4% or $141,126 at 6%.
E F S Retirement Plan-11$1,102,248$271,688$24,699iApproximate average salary by contribution assumption: employee only about $617,473 at 4% or $411,648 at 6%; with 50% employer match about $411,648 at 4% or $274,432 at 6%; with 100% employer match about $308,736 at 4% or $205,824 at 6%.
2016210$2,056,280$362,278$36,228iApproximate average salary by contribution assumption: employee only about $905,695 at 4% or $603,797 at 6%; with 50% employer match about $603,797 at 4% or $402,531 at 6%; with 100% employer match about $452,848 at 4% or $301,898 at 6%.
Epstein Financial Services Cash Balance Plan-10$1,271,158$256,000$25,600iApproximate average salary by contribution assumption: employee only about $640,000 at 4% or $426,667 at 6%; with 50% employer match about $426,667 at 4% or $284,444 at 6%; with 100% employer match about $320,000 at 4% or $213,333 at 6%.
E F S Retirement Plan-9$785,122$106,278$11,809iApproximate average salary by contribution assumption: employee only about $295,217 at 4% or $196,811 at 6%; with 50% employer match about $196,811 at 4% or $131,207 at 6%; with 100% employer match about $147,608 at 4% or $98,406 at 6%.
2015210$1,702,266$272,975$27,298iApproximate average salary by contribution assumption: employee only about $682,438 at 4% or $454,958 at 6%; with 50% employer match about $454,958 at 4% or $303,306 at 6%; with 100% employer match about $341,219 at 4% or $227,479 at 6%.
Epstein Financial Services Cash Balance Plan-9$1,020,483$163,330$18,148iApproximate average salary by contribution assumption: employee only about $453,694 at 4% or $302,463 at 6%; with 50% employer match about $302,463 at 4% or $201,642 at 6%; with 100% employer match about $226,847 at 4% or $151,231 at 6%.
E F S Retirement Plan-10$681,783$109,645$10,965iApproximate average salary by contribution assumption: employee only about $274,113 at 4% or $182,742 at 6%; with 50% employer match about $182,742 at 4% or $121,828 at 6%; with 100% employer match about $137,056 at 4% or $91,371 at 6%.
201429$2,389,169$348,126$38,681iApproximate average salary by contribution assumption: employee only about $967,017 at 4% or $644,678 at 6%; with 50% employer match about $644,678 at 4% or $429,785 at 6%; with 100% employer match about $483,508 at 4% or $322,339 at 6%.
E F S Retirement Plan-9$1,534,666$123,169$13,685iApproximate average salary by contribution assumption: employee only about $342,136 at 4% or $228,091 at 6%; with 50% employer match about $228,091 at 4% or $152,060 at 6%; with 100% employer match about $171,068 at 4% or $114,045 at 6%.
Epstein Financial Services Cash Balance Plan-9$854,503$224,957$24,995iApproximate average salary by contribution assumption: employee only about $624,881 at 4% or $416,587 at 6%; with 50% employer match about $416,587 at 4% or $277,725 at 6%; with 100% employer match about $312,440 at 4% or $208,294 at 6%.
201328$2,092,197$222,329$27,791iApproximate average salary by contribution assumption: employee only about $694,778 at 4% or $463,185 at 6%; with 50% employer match about $463,185 at 4% or $308,790 at 6%; with 100% employer match about $347,389 at 4% or $231,593 at 6%.
E F S Retirement Plan-8$1,432,029$107,303$13,413iApproximate average salary by contribution assumption: employee only about $335,322 at 4% or $223,548 at 6%; with 50% employer match about $223,548 at 4% or $149,032 at 6%; with 100% employer match about $167,661 at 4% or $111,774 at 6%.
Epstein Financial Services Cash Balance Plan-8$660,168$115,026$14,378iApproximate average salary by contribution assumption: employee only about $359,456 at 4% or $239,638 at 6%; with 50% employer match about $239,638 at 4% or $159,758 at 6%; with 100% employer match about $179,728 at 4% or $119,819 at 6%.
201227$1,662,090$226,748$32,393iApproximate average salary by contribution assumption: employee only about $809,814 at 4% or $539,876 at 6%; with 50% employer match about $539,876 at 4% or $359,917 at 6%; with 100% employer match about $404,907 at 4% or $269,938 at 6%.
E F S Retirement Plan-7$1,183,086$53,040$7,577iApproximate average salary by contribution assumption: employee only about $189,429 at 4% or $126,286 at 6%; with 50% employer match about $126,286 at 4% or $84,190 at 6%; with 100% employer match about $94,714 at 4% or $63,143 at 6%.
Epstein Financial Services Cash Balance Plan-7$479,004$173,708$24,815iApproximate average salary by contribution assumption: employee only about $620,386 at 4% or $413,590 at 6%; with 50% employer match about $413,590 at 4% or $275,727 at 6%; with 100% employer match about $310,193 at 4% or $206,795 at 6%.
201127$1,284,279$204,419$29,203iApproximate average salary by contribution assumption: employee only about $730,068 at 4% or $486,712 at 6%; with 50% employer match about $486,712 at 4% or $324,475 at 6%; with 100% employer match about $365,034 at 4% or $243,356 at 6%.
E F S Retirement Plan-7$979,083$49,236$7,034iApproximate average salary by contribution assumption: employee only about $175,843 at 4% or $117,229 at 6%; with 50% employer match about $117,229 at 4% or $78,152 at 6%; with 100% employer match about $87,921 at 4% or $58,614 at 6%.
Epstein Financial Services Cash Balance Plan-6$305,196$155,183$25,864iApproximate average salary by contribution assumption: employee only about $646,596 at 4% or $431,064 at 6%; with 50% employer match about $431,064 at 4% or $287,376 at 6%; with 100% employer match about $323,298 at 4% or $215,532 at 6%.
201026$1,243,819$184,648$30,775iApproximate average salary by contribution assumption: employee only about $769,367 at 4% or $512,911 at 6%; with 50% employer match about $512,911 at 4% or $341,941 at 6%; with 100% employer match about $384,683 at 4% or $256,456 at 6%.
E F S Retirement Plan-6$1,099,203$45,805$7,634iApproximate average salary by contribution assumption: employee only about $190,854 at 4% or $127,236 at 6%; with 50% employer match about $127,236 at 4% or $84,824 at 6%; with 100% employer match about $95,427 at 4% or $63,618 at 6%.
Epstein Financial Services Cash Balance Plan-6$144,616$138,843$23,141iApproximate average salary by contribution assumption: employee only about $578,513 at 4% or $385,675 at 6%; with 50% employer match about $385,675 at 4% or $257,117 at 6%; with 100% employer match about $289,256 at 4% or $192,838 at 6%.
200916$866,267$89,315$14,886iApproximate average salary by contribution assumption: employee only about $372,146 at 4% or $248,097 at 6%; with 50% employer match about $248,097 at 4% or $165,398 at 6%; with 100% employer match about $186,073 at 4% or $124,049 at 6%.
E F S Retirement Plan-6$866,267$89,315$14,886iApproximate average salary by contribution assumption: employee only about $372,146 at 4% or $248,097 at 6%; with 50% employer match about $248,097 at 4% or $165,398 at 6%; with 100% employer match about $186,073 at 4% or $124,049 at 6%.
200816$915,898$77,896$12,983iApproximate average salary by contribution assumption: employee only about $324,567 at 4% or $216,378 at 6%; with 50% employer match about $216,378 at 4% or $144,252 at 6%; with 100% employer match about $162,283 at 4% or $108,189 at 6%.
E F S Retirement Plan-6$915,898$77,896$12,983iApproximate average salary by contribution assumption: employee only about $324,567 at 4% or $216,378 at 6%; with 50% employer match about $216,378 at 4% or $144,252 at 6%; with 100% employer match about $162,283 at 4% or $108,189 at 6%.
200716$1,081,791$69,291$11,549iApproximate average salary by contribution assumption: employee only about $288,713 at 4% or $192,475 at 6%; with 50% employer match about $192,475 at 4% or $128,317 at 6%; with 100% employer match about $144,356 at 4% or $96,238 at 6%.
E F S Retirement Plan-6$1,081,791$69,291$11,549iApproximate average salary by contribution assumption: employee only about $288,713 at 4% or $192,475 at 6%; with 50% employer match about $192,475 at 4% or $128,317 at 6%; with 100% employer match about $144,356 at 4% or $96,238 at 6%.
200617$1,014,233$58,419$8,346iApproximate average salary by contribution assumption: employee only about $208,639 at 4% or $139,093 at 6%; with 50% employer match about $139,093 at 4% or $92,729 at 6%; with 100% employer match about $104,320 at 4% or $69,546 at 6%.
E F S Retirement Plan-7$1,014,233$58,419$8,346iApproximate average salary by contribution assumption: employee only about $208,639 at 4% or $139,093 at 6%; with 50% employer match about $139,093 at 4% or $92,729 at 6%; with 100% employer match about $104,320 at 4% or $69,546 at 6%.
200515$851,929$51,082$10,216iApproximate average salary by contribution assumption: employee only about $255,410 at 4% or $170,273 at 6%; with 50% employer match about $170,273 at 4% or $113,516 at 6%; with 100% employer match about $127,705 at 4% or $85,137 at 6%.
E F S Retirement Plan-5$851,929$51,082$10,216iApproximate average salary by contribution assumption: employee only about $255,410 at 4% or $170,273 at 6%; with 50% employer match about $170,273 at 4% or $113,516 at 6%; with 100% employer match about $127,705 at 4% or $85,137 at 6%.
200414$710,840$50,012$12,503iApproximate average salary by contribution assumption: employee only about $312,575 at 4% or $208,383 at 6%; with 50% employer match about $208,383 at 4% or $138,922 at 6%; with 100% employer match about $156,288 at 4% or $104,192 at 6%.
E F S Retirement Plan-4$710,840$50,012$12,503iApproximate average salary by contribution assumption: employee only about $312,575 at 4% or $208,383 at 6%; with 50% employer match about $208,383 at 4% or $138,922 at 6%; with 100% employer match about $156,288 at 4% or $104,192 at 6%.
200314$603,403$49,350$12,338iApproximate average salary by contribution assumption: employee only about $308,438 at 4% or $205,625 at 6%; with 50% employer match about $205,625 at 4% or $137,083 at 6%; with 100% employer match about $154,219 at 4% or $102,813 at 6%.
E F S Retirement Plan-4$603,403$49,350$12,338iApproximate average salary by contribution assumption: employee only about $308,438 at 4% or $205,625 at 6%; with 50% employer match about $205,625 at 4% or $137,083 at 6%; with 100% employer match about $154,219 at 4% or $102,813 at 6%.
200214$462,324$234,760$58,690iApproximate average salary by contribution assumption: employee only about $1,467,250 at 4% or $978,167 at 6%; with 50% employer match about $978,167 at 4% or $652,111 at 6%; with 100% employer match about $733,625 at 4% or $489,083 at 6%.
E F S Retirement Plan-4$462,324$234,760$58,690iApproximate average salary by contribution assumption: employee only about $1,467,250 at 4% or $978,167 at 6%; with 50% employer match about $978,167 at 4% or $652,111 at 6%; with 100% employer match about $733,625 at 4% or $489,083 at 6%.
200113$377,181$31,798$10,599iApproximate average salary by contribution assumption: employee only about $264,983 at 4% or $176,656 at 6%; with 50% employer match about $176,656 at 4% or $117,770 at 6%; with 100% employer match about $132,492 at 4% or $88,328 at 6%.
E F S Retirement Plan-3$377,181$31,798$10,599iApproximate average salary by contribution assumption: employee only about $264,983 at 4% or $176,656 at 6%; with 50% employer match about $176,656 at 4% or $117,770 at 6%; with 100% employer match about $132,492 at 4% or $88,328 at 6%.
200013$0$0-
E F S Retirement Plan-3---