Civic Intelligence

Atty. Russell P. Schwartz

Plan context: RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN

EIN 04-3388740 • Worcester, MA • 28 filings • 3 plans

300 Main Street, 2nd FloorWorcester, MA 01608
Current Snapshot

Latest Year

2024

2024 Participants

6

2024 Assets

$4,849,117

2024 Contributions

$422,533

Historical Graphs

Total Assets Over Time

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

$4,849,117$2,424,559$0200420142024YearValue
$4,849,117Latest year 2024

Participants Over Time

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

840200420142024YearValue
6Latest 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
202426$4,849,117$422,533$70,422iApproximate average salary by contribution assumption: employee only about $1,760,554 at 4% or $1,173,703 at 6%; with 50% employer match about $1,173,703 at 4% or $782,469 at 6%; with 100% employer match about $880,277 at 4% or $586,851 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$2,499,564$300,000$150,000iApproximate average salary by contribution assumption: employee only about $3,750,000 at 4% or $2,500,000 at 6%; with 50% employer match about $2,500,000 at 4% or $1,666,667 at 6%; with 100% employer match about $1,875,000 at 4% or $1,250,000 at 6%.
Russell P. Schwartz 401K Plan-6$2,349,553$122,533$20,422iApproximate average salary by contribution assumption: employee only about $510,554 at 4% or $340,369 at 6%; with 50% employer match about $340,369 at 4% or $226,913 at 6%; with 100% employer match about $255,277 at 4% or $170,185 at 6%.
202328$4,243,530$393,943$49,243iApproximate average salary by contribution assumption: employee only about $1,231,072 at 4% or $820,715 at 6%; with 50% employer match about $820,715 at 4% or $547,143 at 6%; with 100% employer match about $615,536 at 4% or $410,357 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$2,158,666$300,000$150,000iApproximate average salary by contribution assumption: employee only about $3,750,000 at 4% or $2,500,000 at 6%; with 50% employer match about $2,500,000 at 4% or $1,666,667 at 6%; with 100% employer match about $1,875,000 at 4% or $1,250,000 at 6%.
Russell P. Schwartz 401K Plan-8$2,084,864$93,943$11,743iApproximate average salary by contribution assumption: employee only about $293,572 at 4% or $195,715 at 6%; with 50% employer match about $195,715 at 4% or $130,476 at 6%; with 100% employer match about $146,786 at 4% or $97,857 at 6%.
202227$3,539,813$523,683$74,812iApproximate average salary by contribution assumption: employee only about $1,870,296 at 4% or $1,246,864 at 6%; with 50% employer match about $1,246,864 at 4% or $831,243 at 6%; with 100% employer match about $935,148 at 4% or $623,432 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$1,793,253$448,000$224,000iApproximate average salary by contribution assumption: employee only about $5,600,000 at 4% or $3,733,333 at 6%; with 50% employer match about $3,733,333 at 4% or $2,488,889 at 6%; with 100% employer match about $2,800,000 at 4% or $1,866,667 at 6%.
Russell P. Schwartz 401K Plan-7$1,746,560$75,683$10,812iApproximate average salary by contribution assumption: employee only about $270,296 at 4% or $180,198 at 6%; with 50% employer match about $180,198 at 4% or $120,132 at 6%; with 100% employer match about $135,148 at 4% or $90,099 at 6%.
202126$3,441,350$734,966$122,494iApproximate average salary by contribution assumption: employee only about $3,062,358 at 4% or $2,041,572 at 6%; with 50% employer match about $2,041,572 at 4% or $1,361,048 at 6%; with 100% employer match about $1,531,179 at 4% or $1,020,786 at 6%.
Russell P. Schwartz 401K Plan-6$2,127,012$65,151$10,859iApproximate average salary by contribution assumption: employee only about $271,463 at 4% or $180,975 at 6%; with 50% employer match about $180,975 at 4% or $120,650 at 6%; with 100% employer match about $135,731 at 4% or $90,488 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$1,314,338$669,815$334,908iApproximate average salary by contribution assumption: employee only about $8,372,688 at 4% or $5,581,792 at 6%; with 50% employer match about $5,581,792 at 4% or $3,721,194 at 6%; with 100% employer match about $4,186,344 at 4% or $2,790,896 at 6%.
202026$2,392,674$269,871$44,979iApproximate average salary by contribution assumption: employee only about $1,124,463 at 4% or $749,642 at 6%; with 50% employer match about $749,642 at 4% or $499,761 at 6%; with 100% employer match about $562,231 at 4% or $374,821 at 6%.
Russell P. Schwartz 401K Plan-6$1,753,212$64,871$10,812iApproximate average salary by contribution assumption: employee only about $270,296 at 4% or $180,197 at 6%; with 50% employer match about $180,197 at 4% or $120,131 at 6%; with 100% employer match about $135,148 at 4% or $90,099 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$639,462$205,000$102,500iApproximate average salary by contribution assumption: employee only about $2,562,500 at 4% or $1,708,333 at 6%; with 50% employer match about $1,708,333 at 4% or $1,138,889 at 6%; with 100% employer match about $1,281,250 at 4% or $854,167 at 6%.
201926$1,925,079$246,218$41,036iApproximate average salary by contribution assumption: employee only about $1,025,908 at 4% or $683,939 at 6%; with 50% employer match about $683,939 at 4% or $455,959 at 6%; with 100% employer match about $512,954 at 4% or $341,969 at 6%.
Russell P. Schwartz 401K Plan-6$1,499,661$42,752$7,125iApproximate average salary by contribution assumption: employee only about $178,133 at 4% or $118,756 at 6%; with 50% employer match about $118,756 at 4% or $79,170 at 6%; with 100% employer match about $89,067 at 4% or $59,378 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$425,418$203,466$101,733iApproximate average salary by contribution assumption: employee only about $2,543,325 at 4% or $1,695,550 at 6%; with 50% employer match about $1,695,550 at 4% or $1,130,367 at 6%; with 100% employer match about $1,271,663 at 4% or $847,775 at 6%.
201825$1,461,187$269,092$53,818iApproximate average salary by contribution assumption: employee only about $1,345,460 at 4% or $896,973 at 6%; with 50% employer match about $896,973 at 4% or $597,982 at 6%; with 100% employer match about $672,730 at 4% or $448,487 at 6%.
Russell P. Schwartz 401K Plan-5$1,256,268$64,982$12,996iApproximate average salary by contribution assumption: employee only about $324,910 at 4% or $216,607 at 6%; with 50% employer match about $216,607 at 4% or $144,404 at 6%; with 100% employer match about $162,455 at 4% or $108,303 at 6%.
RUSSELL P. SCHWARTZ CASH BALANCE PENSION PLAN-2$204,919$204,110$102,055iApproximate average salary by contribution assumption: employee only about $2,551,375 at 4% or $1,700,917 at 6%; with 50% employer match about $1,700,917 at 4% or $1,133,944 at 6%; with 100% employer match about $1,275,688 at 4% or $850,458 at 6%.
201714$1,285,699$84,330$21,083iApproximate average salary by contribution assumption: employee only about $527,063 at 4% or $351,375 at 6%; with 50% employer match about $351,375 at 4% or $234,250 at 6%; with 100% employer match about $263,531 at 4% or $175,688 at 6%.
Russell P. Schwartz 401K Plan-4$1,285,699$84,330$21,083iApproximate average salary by contribution assumption: employee only about $527,063 at 4% or $351,375 at 6%; with 50% employer match about $351,375 at 4% or $234,250 at 6%; with 100% employer match about $263,531 at 4% or $175,688 at 6%.
201614$1,017,577$82,946$20,737iApproximate average salary by contribution assumption: employee only about $518,413 at 4% or $345,608 at 6%; with 50% employer match about $345,608 at 4% or $230,406 at 6%; with 100% employer match about $259,206 at 4% or $172,804 at 6%.
Russell P. Schwartz 401K Plan-4$1,017,577$82,946$20,737iApproximate average salary by contribution assumption: employee only about $518,413 at 4% or $345,608 at 6%; with 50% employer match about $345,608 at 4% or $230,406 at 6%; with 100% employer match about $259,206 at 4% or $172,804 at 6%.
201515$877,189$74,893$14,979iApproximate average salary by contribution assumption: employee only about $374,465 at 4% or $249,643 at 6%; with 50% employer match about $249,643 at 4% or $166,429 at 6%; with 100% employer match about $187,233 at 4% or $124,822 at 6%.
Russell P. Schwartz 401K Plan-5$877,189$74,893$14,979iApproximate average salary by contribution assumption: employee only about $374,465 at 4% or $249,643 at 6%; with 50% employer match about $249,643 at 4% or $166,429 at 6%; with 100% employer match about $187,233 at 4% or $124,822 at 6%.
201417$1,042,048$81,109$11,587iApproximate average salary by contribution assumption: employee only about $289,675 at 4% or $193,117 at 6%; with 50% employer match about $193,117 at 4% or $128,744 at 6%; with 100% employer match about $144,838 at 4% or $96,558 at 6%.
Russell P. Schwartz 401K Plan-7$1,042,048$81,109$11,587iApproximate average salary by contribution assumption: employee only about $289,675 at 4% or $193,117 at 6%; with 50% employer match about $193,117 at 4% or $128,744 at 6%; with 100% employer match about $144,838 at 4% or $96,558 at 6%.
201316$926,938$78,425$13,071iApproximate average salary by contribution assumption: employee only about $326,771 at 4% or $217,847 at 6%; with 50% employer match about $217,847 at 4% or $145,231 at 6%; with 100% employer match about $163,385 at 4% or $108,924 at 6%.
Russell P. Schwartz 401K Plan-6$926,938$78,425$13,071iApproximate average salary by contribution assumption: employee only about $326,771 at 4% or $217,847 at 6%; with 50% employer match about $217,847 at 4% or $145,231 at 6%; with 100% employer match about $163,385 at 4% or $108,924 at 6%.
201216$709,320$26,237$4,373iApproximate average salary by contribution assumption: employee only about $109,321 at 4% or $72,881 at 6%; with 50% employer match about $72,881 at 4% or $48,587 at 6%; with 100% employer match about $54,660 at 4% or $36,440 at 6%.
Russell P. Schwartz 401K Plan-6$709,320$26,237$4,373iApproximate average salary by contribution assumption: employee only about $109,321 at 4% or $72,881 at 6%; with 50% employer match about $72,881 at 4% or $48,587 at 6%; with 100% employer match about $54,660 at 4% or $36,440 at 6%.
201115$608,577$76,904$15,381iApproximate average salary by contribution assumption: employee only about $384,520 at 4% or $256,347 at 6%; with 50% employer match about $256,347 at 4% or $170,898 at 6%; with 100% employer match about $192,260 at 4% or $128,173 at 6%.
Russell P. Schwartz 401K Plan-5$608,577$76,904$15,381iApproximate average salary by contribution assumption: employee only about $384,520 at 4% or $256,347 at 6%; with 50% employer match about $256,347 at 4% or $170,898 at 6%; with 100% employer match about $192,260 at 4% or $128,173 at 6%.
201015$555,028$74,688$14,938iApproximate average salary by contribution assumption: employee only about $373,440 at 4% or $248,960 at 6%; with 50% employer match about $248,960 at 4% or $165,973 at 6%; with 100% employer match about $186,720 at 4% or $124,480 at 6%.
Russell P. Schwartz 401K Plan-5$555,028$74,688$14,938iApproximate average salary by contribution assumption: employee only about $373,440 at 4% or $248,960 at 6%; with 50% employer match about $248,960 at 4% or $165,973 at 6%; with 100% employer match about $186,720 at 4% or $124,480 at 6%.
200916$438,739$86,398$14,400iApproximate average salary by contribution assumption: employee only about $359,992 at 4% or $239,994 at 6%; with 50% employer match about $239,994 at 4% or $159,996 at 6%; with 100% employer match about $179,996 at 4% or $119,997 at 6%.
Russell P. Schwartz 401K Plan-6$438,739$86,398$14,400iApproximate average salary by contribution assumption: employee only about $359,992 at 4% or $239,994 at 6%; with 50% employer match about $239,994 at 4% or $159,996 at 6%; with 100% employer match about $179,996 at 4% or $119,997 at 6%.
200814$265,635$71,338$17,835iApproximate average salary by contribution assumption: employee only about $445,863 at 4% or $297,242 at 6%; with 50% employer match about $297,242 at 4% or $198,161 at 6%; with 100% employer match about $222,931 at 4% or $148,621 at 6%.
Russell P. Schwartz 401K Plan-4$265,635$71,338$17,835iApproximate average salary by contribution assumption: employee only about $445,863 at 4% or $297,242 at 6%; with 50% employer match about $297,242 at 4% or $198,161 at 6%; with 100% employer match about $222,931 at 4% or $148,621 at 6%.
200713$344,751$75,054$25,018iApproximate average salary by contribution assumption: employee only about $625,450 at 4% or $416,967 at 6%; with 50% employer match about $416,967 at 4% or $277,978 at 6%; with 100% employer match about $312,725 at 4% or $208,483 at 6%.
Russell P. Schwartz 401K Plan-3$344,751$75,054$25,018iApproximate average salary by contribution assumption: employee only about $625,450 at 4% or $416,967 at 6%; with 50% employer match about $416,967 at 4% or $277,978 at 6%; with 100% employer match about $312,725 at 4% or $208,483 at 6%.
200613$234,350$68,822$22,941iApproximate average salary by contribution assumption: employee only about $573,517 at 4% or $382,344 at 6%; with 50% employer match about $382,344 at 4% or $254,896 at 6%; with 100% employer match about $286,758 at 4% or $191,172 at 6%.
Russell P. Schwartz 401K Plan-3$234,350$68,822$22,941iApproximate average salary by contribution assumption: employee only about $573,517 at 4% or $382,344 at 6%; with 50% employer match about $382,344 at 4% or $254,896 at 6%; with 100% employer match about $286,758 at 4% or $191,172 at 6%.
200513$141,751$67,776$22,592iApproximate average salary by contribution assumption: employee only about $564,800 at 4% or $376,533 at 6%; with 50% employer match about $376,533 at 4% or $251,022 at 6%; with 100% employer match about $282,400 at 4% or $188,267 at 6%.
Russell P. Schwartz 401K Plan-3$141,751$67,776$22,592iApproximate average salary by contribution assumption: employee only about $564,800 at 4% or $376,533 at 6%; with 50% employer match about $376,533 at 4% or $251,022 at 6%; with 100% employer match about $282,400 at 4% or $188,267 at 6%.
200414$66,113$65,583$16,396iApproximate average salary by contribution assumption: employee only about $409,894 at 4% or $273,263 at 6%; with 50% employer match about $273,263 at 4% or $182,175 at 6%; with 100% employer match about $204,947 at 4% or $136,631 at 6%.
Russell P. Schwartz 401K Plan-4$66,113$65,583$16,396iApproximate average salary by contribution assumption: employee only about $409,894 at 4% or $273,263 at 6%; with 50% employer match about $273,263 at 4% or $182,175 at 6%; with 100% employer match about $204,947 at 4% or $136,631 at 6%.