Civic Intelligence

The Lowell Five Cent Savings Bank

Plan context: Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank

EIN 45-3131005 • Tewksbury, MA • 64 filings • 9 plans

30 International PlTewksbury, MA 01876-1144
Current Snapshot

Latest Year

2025

2025 Participants

228

2025 Assets

$34,260,645

2025 Contributions

$2,127,152

Historical Graphs

Total Assets Over Time

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

$67,716,143$33,858,072$0201120182024YearValue
$34,260,645Latest year 2024

Participants Over Time

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

3741870201120182025YearValue
228Latest year 2025

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
20253228$0$0-
Lowell Five Cent Savings Bank Flexible Benefits Plan-99---
Lowell Five Bank Vision Plan-111---
The Lowell Five Cent Savings Bank Life Insurance Plan-228---
20244228$34,260,645$2,127,152$9,330iApproximate average salary by contribution assumption: employee only about $233,240 at 4% or $155,494 at 6%; with 50% employer match about $155,494 at 4% or $103,662 at 6%; with 100% employer match about $116,620 at 4% or $77,747 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-190$34,260,645$2,127,152$11,196iApproximate average salary by contribution assumption: employee only about $279,888 at 4% or $186,592 at 6%; with 50% employer match about $186,592 at 4% or $124,395 at 6%; with 100% employer match about $139,944 at 4% or $93,296 at 6%.
Lowell Five Bank Vision Plan-111---
The Lowell Five Cent Savings Bank Life Insurance Plan-228---
The Lowell Five Cent Savings Bank Long Term Disability Plan-188---
20235218$67,716,143$1,925,580$8,833iApproximate average salary by contribution assumption: employee only about $220,823 at 4% or $147,216 at 6%; with 50% employer match about $147,216 at 4% or $98,144 at 6%; with 100% employer match about $110,412 at 4% or $73,608 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-72$37,945,049--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-182$29,771,094$1,925,580$10,580iApproximate average salary by contribution assumption: employee only about $264,503 at 4% or $176,335 at 6%; with 50% employer match about $176,335 at 4% or $117,557 at 6%; with 100% employer match about $132,251 at 4% or $88,168 at 6%.
Lowell Five Bank Vision Plan-109---
The Lowell Five Cent Savings Bank Life Insurance Plan-218---
The Lowell Five Cent Savings Bank Long Term Disability Plan-184---
20224215$56,765,765$1,563,054$7,270iApproximate average salary by contribution assumption: employee only about $181,750 at 4% or $121,167 at 6%; with 50% employer match about $121,167 at 4% or $80,778 at 6%; with 100% employer match about $90,875 at 4% or $60,583 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-74$32,364,108--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-181$24,401,657$1,563,054$8,636iApproximate average salary by contribution assumption: employee only about $215,891 at 4% or $143,928 at 6%; with 50% employer match about $143,928 at 4% or $95,952 at 6%; with 100% employer match about $107,946 at 4% or $71,964 at 6%.
The Lowell Five Cent Savings Bank Life Insurance Plan-215---
The Lowell Five Cent Savings Bank Long Term Disability Plan-178---
20215215$62,132,538$1,547,903$7,200iApproximate average salary by contribution assumption: employee only about $179,989 at 4% or $119,992 at 6%; with 50% employer match about $119,992 at 4% or $79,995 at 6%; with 100% employer match about $89,994 at 4% or $59,996 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-81$31,698,877--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-194$30,433,661$1,547,903$7,979iApproximate average salary by contribution assumption: employee only about $199,472 at 4% or $132,981 at 6%; with 50% employer match about $132,981 at 4% or $88,654 at 6%; with 100% employer match about $99,736 at 4% or $66,491 at 6%.
Lowell Five Cent Savings Bank Flexible Benefits Plan-97---
The Lowell Five Cent Savings Bank Life Insurance Plan-215---
The Lowell Five Cent Savings Bank Long Term Disability Plan-175---
20205360$66,771,850$3,398,726$9,441iApproximate average salary by contribution assumption: employee only about $236,023 at 4% or $157,348 at 6%; with 50% employer match about $157,348 at 4% or $104,899 at 6%; with 100% employer match about $118,011 at 4% or $78,674 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-89$40,052,299$2,000,000$22,472iApproximate average salary by contribution assumption: employee only about $561,798 at 4% or $374,532 at 6%; with 50% employer match about $374,532 at 4% or $249,688 at 6%; with 100% employer match about $280,899 at 4% or $187,266 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-200$26,719,551$1,398,726$6,994iApproximate average salary by contribution assumption: employee only about $174,841 at 4% or $116,561 at 6%; with 50% employer match about $116,561 at 4% or $77,707 at 6%; with 100% employer match about $87,420 at 4% or $58,280 at 6%.
Lowell Five Cent Savings Bank Flexible Benefits Plan-103---
The Lowell Five Cent Savings Bank Long Term Disability Plan-185---
The Lowell Five Cent Savings Bank Life Insurance Plan-360---
20194205$57,692,394$4,381,285$21,372iApproximate average salary by contribution assumption: employee only about $534,303 at 4% or $356,202 at 6%; with 50% employer match about $356,202 at 4% or $237,468 at 6%; with 100% employer match about $267,152 at 4% or $178,101 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-97$33,493,752$3,000,000$30,928iApproximate average salary by contribution assumption: employee only about $773,196 at 4% or $515,464 at 6%; with 50% employer match about $515,464 at 4% or $343,643 at 6%; with 100% employer match about $386,598 at 4% or $257,732 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-205$24,198,642$1,381,285$6,738iApproximate average salary by contribution assumption: employee only about $168,449 at 4% or $112,300 at 6%; with 50% employer match about $112,300 at 4% or $74,866 at 6%; with 100% employer match about $84,225 at 4% or $56,150 at 6%.
Lowell Five Cent Savings Bank Flexible Benefits Plan-104---
The Lowell Five Cent Savings Bank Long Term Disability Plan-189---
20184323$49,352,289$2,516,720$7,792iApproximate average salary by contribution assumption: employee only about $194,793 at 4% or $129,862 at 6%; with 50% employer match about $129,862 at 4% or $86,574 at 6%; with 100% employer match about $97,396 at 4% or $64,931 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-101$29,891,924$1,000,000$9,901iApproximate average salary by contribution assumption: employee only about $247,525 at 4% or $165,017 at 6%; with 50% employer match about $165,017 at 4% or $110,011 at 6%; with 100% employer match about $123,762 at 4% or $82,508 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-214$19,460,365$1,516,720$7,087iApproximate average salary by contribution assumption: employee only about $177,187 at 4% or $118,125 at 6%; with 50% employer match about $118,125 at 4% or $78,750 at 6%; with 100% employer match about $88,593 at 4% or $59,062 at 6%.
The Lowell Five Cent Savings Bank Long Term Disability Plan-192---
The Lowell Five Cent Savings Bank Life Insurance Plan-323---
20175374$47,844,898$7,505,369$20,068iApproximate average salary by contribution assumption: employee only about $501,696 at 4% or $334,464 at 6%; with 50% employer match about $334,464 at 4% or $222,976 at 6%; with 100% employer match about $250,848 at 4% or $167,232 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-104$27,865,763$6,000,000$57,692iApproximate average salary by contribution assumption: employee only about $1,442,308 at 4% or $961,538 at 6%; with 50% employer match about $961,538 at 4% or $641,026 at 6%; with 100% employer match about $721,154 at 4% or $480,769 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-199$19,979,135$1,505,369$7,565iApproximate average salary by contribution assumption: employee only about $189,117 at 4% or $126,078 at 6%; with 50% employer match about $126,078 at 4% or $84,052 at 6%; with 100% employer match about $94,558 at 4% or $63,039 at 6%.
The Lowell Five Cent Savings Bank Long Term Disability Plan-197---
Lowell Five Cent Savings Bank Flexible Benefits Plan-97---
The Lowell Five Cent Savings Bank Life Insurance Plan-374---
20165201$39,747,725$1,297,293$6,454iApproximate average salary by contribution assumption: employee only about $161,355 at 4% or $107,570 at 6%; with 50% employer match about $107,570 at 4% or $71,713 at 6%; with 100% employer match about $80,677 at 4% or $53,785 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-110$23,283,076--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-201$16,464,649$1,297,293$6,454iApproximate average salary by contribution assumption: employee only about $161,355 at 4% or $107,570 at 6%; with 50% employer match about $107,570 at 4% or $71,713 at 6%; with 100% employer match about $80,677 at 4% or $53,785 at 6%.
Lowell Five Cent Savings Bank Flexible Benefits Plan-94---
The Lowell Five Cent Savings Bank Life Insurance Plan-188---
The Lowell Five Cent Savings Bank Long Term Disability Plan-183---
20155201$35,296,392$2,320,668$11,546iApproximate average salary by contribution assumption: employee only about $288,640 at 4% or $192,427 at 6%; with 50% employer match about $192,427 at 4% or $128,285 at 6%; with 100% employer match about $144,320 at 4% or $96,213 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-121$20,803,915$1,000,000$8,264iApproximate average salary by contribution assumption: employee only about $206,612 at 4% or $137,741 at 6%; with 50% employer match about $137,741 at 4% or $91,827 at 6%; with 100% employer match about $103,306 at 4% or $68,871 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-201$14,492,477$1,320,668$6,570iApproximate average salary by contribution assumption: employee only about $164,262 at 4% or $109,508 at 6%; with 50% employer match about $109,508 at 4% or $73,005 at 6%; with 100% employer match about $82,131 at 4% or $54,754 at 6%.
Lowell Five Cent Savings Bank Flexible Benefits Plan-99---
The Lowell Five Cent Savings Bank Life Insurance Plan-180---
The Lowell Five Cent Savings Bank Long Term Disability Plan-185---
20144206$34,993,539$2,338,958$11,354iApproximate average salary by contribution assumption: employee only about $283,854 at 4% or $189,236 at 6%; with 50% employer match about $189,236 at 4% or $126,157 at 6%; with 100% employer match about $141,927 at 4% or $94,618 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-132$20,896,991$1,000,000$7,576iApproximate average salary by contribution assumption: employee only about $189,394 at 4% or $126,263 at 6%; with 50% employer match about $126,263 at 4% or $84,175 at 6%; with 100% employer match about $94,697 at 4% or $63,131 at 6%.
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-206$14,096,548$1,338,958$6,500iApproximate average salary by contribution assumption: employee only about $162,495 at 4% or $108,330 at 6%; with 50% employer match about $108,330 at 4% or $72,220 at 6%; with 100% employer match about $81,247 at 4% or $54,165 at 6%.
The Lowell Five Cent Savings Bank Life Insurance Plan-177---
The Lowell Five Cent Savings Bank Long Term Disability Plan-180---
20134197$33,514,366$1,101,312$5,590iApproximate average salary by contribution assumption: employee only about $139,760 at 4% or $93,174 at 6%; with 50% employer match about $93,174 at 4% or $62,116 at 6%; with 100% employer match about $69,880 at 4% or $46,587 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-139$20,638,248--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-197$12,876,118$1,101,312$5,590iApproximate average salary by contribution assumption: employee only about $139,760 at 4% or $93,174 at 6%; with 50% employer match about $93,174 at 4% or $62,116 at 6%; with 100% employer match about $69,880 at 4% or $46,587 at 6%.
The Lowell Five Cent Savings Bank Life Insurance Plan-174---
The Lowell Five Cent Savings Bank Long Term Disability Plan-178---
20124187$30,582,441$961,829$5,143iApproximate average salary by contribution assumption: employee only about $128,587 at 4% or $85,725 at 6%; with 50% employer match about $85,725 at 4% or $57,150 at 6%; with 100% employer match about $64,293 at 4% or $42,862 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-155$20,142,889--
Sbera 401(K) Plan as Adopted by the Lowell Five Cent Savings Bank-187$10,439,552$961,829$5,143iApproximate average salary by contribution assumption: employee only about $128,587 at 4% or $85,725 at 6%; with 50% employer match about $85,725 at 4% or $57,150 at 6%; with 100% employer match about $64,293 at 4% or $42,862 at 6%.
The Lowell Five Cent Savings Bank Life Insurance Plan-165---
The Lowell Five Cent Savings Bank Long Term Disability Plan-175---
20113165$17,648,945$1,000,000$6,061iApproximate average salary by contribution assumption: employee only about $151,515 at 4% or $101,010 at 6%; with 50% employer match about $101,010 at 4% or $67,340 at 6%; with 100% employer match about $75,758 at 4% or $50,505 at 6%.
Sbera Pension Plan as Adopted by the Lowell Five Cent Savings Bank-164$17,648,945$1,000,000$6,098iApproximate average salary by contribution assumption: employee only about $152,439 at 4% or $101,626 at 6%; with 50% employer match about $101,626 at 4% or $67,751 at 6%; with 100% employer match about $76,220 at 4% or $50,813 at 6%.
The Lowell Five Cent Savings Bank Life Insurance Plan-155---
The Lowell Five Cent Savings Bank Long Term Disability Plan-165---