401k Plan data: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK plan

SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 401k Plan overview

Plan Name	SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK
Plan identification number	003

SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK Benefits

401k Plan Type	Defined Benefit Pension
Plan Features/Benefits	Benefits are primarily pay related Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).

401k Sponsoring company profile

MAIN STREET BANK has sponsored the creation of one or more 401k plans.

Company Name: MAIN STREET BANK

Employer identification number (EIN): 041584100

NAIC Classification: 522120
NAIC Description: Savings Institutions

Additional information about MAIN STREET BANK

Jurisdiction of Incorporation: Commonwealth of Massachusetts Corporations Division

Incorporation Date:

Company Identification Number: 000952223

More information about MAIN STREET BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2021-11-01
003 2020-11-01
003 2019-11-01
003 2018-11-01
003 2017-11-01
003 2016-11-01 THOMAS FORESE, JR.
003 2015-11-01 THOMAS FORESE, JR.

Plan Statistics for SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

401k plan membership statisitcs for SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

Measure Date Value
2022: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2022 401k membership
Market value of plan assets 2022-10-31 11,299,433
Acturial value of plan assets 2022-10-31 11,299,433
Funding target for retired participants and beneficiaries receiving payment 2022-10-31 4,458,762
Number of terminated vested participants 2022-10-31 49
Fundng target for terminated vested participants 2022-10-31 1,234,496
Active participant vested funding target 2022-10-31 2,111,539
Number of active participants 2022-10-31 30
Total funding liabilities for active participants 2022-10-31 2,129,323
Total participant count 2022-10-31 105
Total funding target for all participants 2022-10-31 7,822,581
Balance at beginning of prior year after applicable adjustments 2022-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2022-10-31 0
Amount remaining of carryover balance 2022-10-31 0
Amount remaining of prefunding balance 2022-10-31 0
Present value of excess contributions 2022-10-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2022-10-31 0
Balance of carryovers at beginning of current year 2022-10-31 0
Balance of prefunding at beginning of current year 2022-10-31 0
Total employer contributions 2022-10-31 0
Total employee contributions 2022-10-31 0
Remaining amount of unpaid minimum required contributions 2022-10-31 0
Minimum required contributions for current year target normal cost 2022-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2022-10-31 0
Additional cash requirement 2022-10-31 0
Unpaid minimum required contributions for current year 2022-10-31 0
Unpaid minimum required contributions for all years 2022-10-31 0
2021: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2021 401k membership
Total participants, beginning-of-year 2021-11-01 105
Total number of active participants reported on line 7a of the Form 5500 2021-11-01 29
Number of retired or separated participants receiving benefits 2021-11-01 22
Number of other retired or separated participants entitled to future benefits 2021-11-01 48
Total of all active and inactive participants 2021-11-01 99
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-11-01 2
Total participants 2021-11-01 101
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-11-01 0
Market value of plan assets 2021-10-31 9,454,014
Acturial value of plan assets 2021-10-31 9,454,014
Funding target for retired participants and beneficiaries receiving payment 2021-10-31 4,113,341
Number of terminated vested participants 2021-10-31 57
Fundng target for terminated vested participants 2021-10-31 973,580
Active participant vested funding target 2021-10-31 2,373,131
Number of active participants 2021-10-31 31
Total funding liabilities for active participants 2021-10-31 2,393,461
Total participant count 2021-10-31 114
Total funding target for all participants 2021-10-31 7,480,382
Balance at beginning of prior year after applicable adjustments 2021-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2021-10-31 0
Amount remaining of carryover balance 2021-10-31 0
Amount remaining of prefunding balance 2021-10-31 0
Present value of excess contributions 2021-10-31 177,914
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2021-10-31 187,859
Balance of carryovers at beginning of current year 2021-10-31 0
Balance of prefunding at beginning of current year 2021-10-31 0
Total employer contributions 2021-10-31 0
Total employee contributions 2021-10-31 0
Remaining amount of unpaid minimum required contributions 2021-10-31 0
Minimum required contributions for current year target normal cost 2021-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2021-10-31 0
Additional cash requirement 2021-10-31 0
Unpaid minimum required contributions for current year 2021-10-31 0
Unpaid minimum required contributions for all years 2021-10-31 0
2020: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2020 401k membership
Total participants, beginning-of-year 2020-11-01 114
Total number of active participants reported on line 7a of the Form 5500 2020-11-01 30
Number of retired or separated participants receiving benefits 2020-11-01 25
Number of other retired or separated participants entitled to future benefits 2020-11-01 49
Total of all active and inactive participants 2020-11-01 104
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-11-01 1
Total participants 2020-11-01 105
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-11-01 0
Market value of plan assets 2020-10-31 9,825,542
Acturial value of plan assets 2020-10-31 9,825,542
Funding target for retired participants and beneficiaries receiving payment 2020-10-31 3,848,409
Number of terminated vested participants 2020-10-31 60
Fundng target for terminated vested participants 2020-10-31 1,318,653
Active participant vested funding target 2020-10-31 2,590,591
Number of active participants 2020-10-31 34
Total funding liabilities for active participants 2020-10-31 2,513,100
Total participant count 2020-10-31 118
Total funding target for all participants 2020-10-31 7,680,162
Balance at beginning of prior year after applicable adjustments 2020-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2020-10-31 0
Amount remaining of carryover balance 2020-10-31 0
Amount remaining of prefunding balance 2020-10-31 0
Present value of excess contributions 2020-10-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2020-10-31 0
Balance of carryovers at beginning of current year 2020-10-31 0
Balance of prefunding at beginning of current year 2020-10-31 0
Total employer contributions 2020-10-31 190,000
Total employee contributions 2020-10-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2020-10-31 177,914
Remaining amount of unpaid minimum required contributions 2020-10-31 0
Minimum required contributions for current year target normal cost 2020-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2020-10-31 0
Additional cash requirement 2020-10-31 0
Contributions allocatedtoward minimum required contributions for current year 2020-10-31 177,914
Unpaid minimum required contributions for current year 2020-10-31 0
Unpaid minimum required contributions for all years 2020-10-31 0
2019: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2019 401k membership
Total participants, beginning-of-year 2019-11-01 118
Total number of active participants reported on line 7a of the Form 5500 2019-11-01 31
Number of retired or separated participants receiving benefits 2019-11-01 26
Number of other retired or separated participants entitled to future benefits 2019-11-01 57
Total of all active and inactive participants 2019-11-01 114
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-11-01 0
Total participants 2019-11-01 114
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-11-01 0
Market value of plan assets 2019-10-31 9,591,649
Acturial value of plan assets 2019-10-31 9,591,649
Funding target for retired participants and beneficiaries receiving payment 2019-10-31 3,907,218
Number of terminated vested participants 2019-10-31 58
Fundng target for terminated vested participants 2019-10-31 1,440,195
Active participant vested funding target 2019-10-31 2,360,643
Number of active participants 2019-10-31 40
Total funding liabilities for active participants 2019-10-31 2,383,431
Total participant count 2019-10-31 122
Total funding target for all participants 2019-10-31 7,730,844
Balance at beginning of prior year after applicable adjustments 2019-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2019-10-31 0
Amount remaining of carryover balance 2019-10-31 0
Amount remaining of prefunding balance 2019-10-31 0
Present value of excess contributions 2019-10-31 536,184
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2019-10-31 567,175
Balance of carryovers at beginning of current year 2019-10-31 0
Balance of prefunding at beginning of current year 2019-10-31 0
Total employer contributions 2019-10-31 0
Total employee contributions 2019-10-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2019-10-31 0
Contributions made to avoid restrictions adjusted to valuation date 2019-10-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2019-10-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2019-10-31 0
Remaining amount of unpaid minimum required contributions 2019-10-31 0
Minimum required contributions for current year target normal cost 2019-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2019-10-31 0
Additional cash requirement 2019-10-31 0
Contributions allocatedtoward minimum required contributions for current year 2019-10-31 0
Unpaid minimum required contributions for current year 2019-10-31 0
Unpaid minimum required contributions for all years 2019-10-31 0
2018: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2018 401k membership
Total participants, beginning-of-year 2018-11-01 122
Total number of active participants reported on line 7a of the Form 5500 2018-11-01 34
Number of retired or separated participants receiving benefits 2018-11-01 23
Number of other retired or separated participants entitled to future benefits 2018-11-01 60
Total of all active and inactive participants 2018-11-01 117
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-11-01 1
Total participants 2018-11-01 118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-11-01 0
Market value of plan assets 2018-10-31 9,700,143
Acturial value of plan assets 2018-10-31 9,700,143
Funding target for retired participants and beneficiaries receiving payment 2018-10-31 3,626,888
Number of terminated vested participants 2018-10-31 54
Fundng target for terminated vested participants 2018-10-31 818,510
Active participant vested funding target 2018-10-31 3,349,410
Number of active participants 2018-10-31 51
Total funding liabilities for active participants 2018-10-31 3,409,512
Total participant count 2018-10-31 127
Total funding target for all participants 2018-10-31 7,854,910
Balance at beginning of prior year after applicable adjustments 2018-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2018-10-31 0
Amount remaining of carryover balance 2018-10-31 0
Amount remaining of prefunding balance 2018-10-31 0
Present value of excess contributions 2018-10-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2018-10-31 0
Balance of carryovers at beginning of current year 2018-10-31 0
Balance of prefunding at beginning of current year 2018-10-31 0
Total employer contributions 2018-10-31 585,000
Total employee contributions 2018-10-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2018-10-31 0
Contributions made to avoid restrictions adjusted to valuation date 2018-10-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2018-10-31 536,184
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2018-10-31 0
Remaining amount of unpaid minimum required contributions 2018-10-31 0
Minimum required contributions for current year target normal cost 2018-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2018-10-31 0
Additional cash requirement 2018-10-31 0
Contributions allocatedtoward minimum required contributions for current year 2018-10-31 536,184
Unpaid minimum required contributions for current year 2018-10-31 0
Unpaid minimum required contributions for all years 2018-10-31 0
2017: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2017 401k membership
Total participants, beginning-of-year 2017-11-01 127
Total number of active participants reported on line 7a of the Form 5500 2017-11-01 40
Number of retired or separated participants receiving benefits 2017-11-01 24
Number of other retired or separated participants entitled to future benefits 2017-11-01 58
Total of all active and inactive participants 2017-11-01 122
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-11-01 0
Total participants 2017-11-01 122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-11-01 5
Market value of plan assets 2017-10-31 8,792,986
Acturial value of plan assets 2017-10-31 8,792,986
Funding target for retired participants and beneficiaries receiving payment 2017-10-31 3,251,590
Number of terminated vested participants 2017-10-31 46
Fundng target for terminated vested participants 2017-10-31 749,082
Active participant vested funding target 2017-10-31 3,728,712
Number of active participants 2017-10-31 64
Total funding liabilities for active participants 2017-10-31 3,820,830
Total participant count 2017-10-31 130
Total funding target for all participants 2017-10-31 7,821,502
Balance at beginning of prior year after applicable adjustments 2017-10-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2017-10-31 0
Amount remaining of carryover balance 2017-10-31 0
Amount remaining of prefunding balance 2017-10-31 0
Present value of excess contributions 2017-10-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2017-10-31 0
Balance of carryovers at beginning of current year 2017-10-31 0
Balance of prefunding at beginning of current year 2017-10-31 0
Total employer contributions 2017-10-31 0
Total employee contributions 2017-10-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2017-10-31 0
Contributions made to avoid restrictions adjusted to valuation date 2017-10-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2017-10-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2017-10-31 0
Remaining amount of unpaid minimum required contributions 2017-10-31 0
Minimum required contributions for current year target normal cost 2017-10-31 0
Total funding amount beforereflecting carryover/prefunding balances 2017-10-31 0
Additional cash requirement 2017-10-31 0
Contributions allocatedtoward minimum required contributions for current year 2017-10-31 0
Unpaid minimum required contributions for current year 2017-10-31 0
Unpaid minimum required contributions for all years 2017-10-31 0
2016: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2016 401k membership
Total participants, beginning-of-year 2016-11-01 130
Total number of active participants reported on line 7a of the Form 5500 2016-11-01 51
Number of retired or separated participants receiving benefits 2016-11-01 22
Number of other retired or separated participants entitled to future benefits 2016-11-01 54
Total of all active and inactive participants 2016-11-01 127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-11-01 0
Total participants 2016-11-01 127
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-11-01 5
2015: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year 2015-11-01 127
Total number of active participants reported on line 7a of the Form 5500 2015-11-01 64
Number of retired or separated participants receiving benefits 2015-11-01 20
Number of other retired or separated participants entitled to future benefits 2015-11-01 46
Total of all active and inactive participants 2015-11-01 130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-11-01 0
Total participants 2015-11-01 130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-11-01 3

Measure	Date	Value
2022: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2022 401k membership
Market value of plan assets	2022-10-31	11,299,433
Acturial value of plan assets	2022-10-31	11,299,433
Funding target for retired participants and beneficiaries receiving payment	2022-10-31	4,458,762
Number of terminated vested participants	2022-10-31	49
Fundng target for terminated vested participants	2022-10-31	1,234,496
Active participant vested funding target	2022-10-31	2,111,539
Number of active participants	2022-10-31	30
Total funding liabilities for active participants	2022-10-31	2,129,323
Total participant count	2022-10-31	105
Total funding target for all participants	2022-10-31	7,822,581
Balance at beginning of prior year after applicable adjustments	2022-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2022-10-31	0
Amount remaining of carryover balance	2022-10-31	0
Amount remaining of prefunding balance	2022-10-31	0
Present value of excess contributions	2022-10-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2022-10-31	0
Balance of carryovers at beginning of current year	2022-10-31	0
Balance of prefunding at beginning of current year	2022-10-31	0
Total employer contributions	2022-10-31	0
Total employee contributions	2022-10-31	0
Remaining amount of unpaid minimum required contributions	2022-10-31	0
Minimum required contributions for current year target normal cost	2022-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2022-10-31	0
Additional cash requirement	2022-10-31	0
Unpaid minimum required contributions for current year	2022-10-31	0
Unpaid minimum required contributions for all years	2022-10-31	0
2021: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2021 401k membership
Total participants, beginning-of-year	2021-11-01	105
Total number of active participants reported on line 7a of the Form 5500	2021-11-01	29
Number of retired or separated participants receiving benefits	2021-11-01	22
Number of other retired or separated participants entitled to future benefits	2021-11-01	48
Total of all active and inactive participants	2021-11-01	99
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-11-01	2
Total participants	2021-11-01	101
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-11-01	0
Market value of plan assets	2021-10-31	9,454,014
Acturial value of plan assets	2021-10-31	9,454,014
Funding target for retired participants and beneficiaries receiving payment	2021-10-31	4,113,341
Number of terminated vested participants	2021-10-31	57
Fundng target for terminated vested participants	2021-10-31	973,580
Active participant vested funding target	2021-10-31	2,373,131
Number of active participants	2021-10-31	31
Total funding liabilities for active participants	2021-10-31	2,393,461
Total participant count	2021-10-31	114
Total funding target for all participants	2021-10-31	7,480,382
Balance at beginning of prior year after applicable adjustments	2021-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2021-10-31	0
Amount remaining of carryover balance	2021-10-31	0
Amount remaining of prefunding balance	2021-10-31	0
Present value of excess contributions	2021-10-31	177,914
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2021-10-31	187,859
Balance of carryovers at beginning of current year	2021-10-31	0
Balance of prefunding at beginning of current year	2021-10-31	0
Total employer contributions	2021-10-31	0
Total employee contributions	2021-10-31	0
Remaining amount of unpaid minimum required contributions	2021-10-31	0
Minimum required contributions for current year target normal cost	2021-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2021-10-31	0
Additional cash requirement	2021-10-31	0
Unpaid minimum required contributions for current year	2021-10-31	0
Unpaid minimum required contributions for all years	2021-10-31	0
2020: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2020 401k membership
Total participants, beginning-of-year	2020-11-01	114
Total number of active participants reported on line 7a of the Form 5500	2020-11-01	30
Number of retired or separated participants receiving benefits	2020-11-01	25
Number of other retired or separated participants entitled to future benefits	2020-11-01	49
Total of all active and inactive participants	2020-11-01	104
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-11-01	1
Total participants	2020-11-01	105
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-11-01	0
Market value of plan assets	2020-10-31	9,825,542
Acturial value of plan assets	2020-10-31	9,825,542
Funding target for retired participants and beneficiaries receiving payment	2020-10-31	3,848,409
Number of terminated vested participants	2020-10-31	60
Fundng target for terminated vested participants	2020-10-31	1,318,653
Active participant vested funding target	2020-10-31	2,590,591
Number of active participants	2020-10-31	34
Total funding liabilities for active participants	2020-10-31	2,513,100
Total participant count	2020-10-31	118
Total funding target for all participants	2020-10-31	7,680,162
Balance at beginning of prior year after applicable adjustments	2020-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2020-10-31	0
Amount remaining of carryover balance	2020-10-31	0
Amount remaining of prefunding balance	2020-10-31	0
Present value of excess contributions	2020-10-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2020-10-31	0
Balance of carryovers at beginning of current year	2020-10-31	0
Balance of prefunding at beginning of current year	2020-10-31	0
Total employer contributions	2020-10-31	190,000
Total employee contributions	2020-10-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2020-10-31	177,914
Remaining amount of unpaid minimum required contributions	2020-10-31	0
Minimum required contributions for current year target normal cost	2020-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2020-10-31	0
Additional cash requirement	2020-10-31	0
Contributions allocatedtoward minimum required contributions for current year	2020-10-31	177,914
Unpaid minimum required contributions for current year	2020-10-31	0
Unpaid minimum required contributions for all years	2020-10-31	0
2019: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2019 401k membership
Total participants, beginning-of-year	2019-11-01	118
Total number of active participants reported on line 7a of the Form 5500	2019-11-01	31
Number of retired or separated participants receiving benefits	2019-11-01	26
Number of other retired or separated participants entitled to future benefits	2019-11-01	57
Total of all active and inactive participants	2019-11-01	114
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-11-01	0
Total participants	2019-11-01	114
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-11-01	0
Market value of plan assets	2019-10-31	9,591,649
Acturial value of plan assets	2019-10-31	9,591,649
Funding target for retired participants and beneficiaries receiving payment	2019-10-31	3,907,218
Number of terminated vested participants	2019-10-31	58
Fundng target for terminated vested participants	2019-10-31	1,440,195
Active participant vested funding target	2019-10-31	2,360,643
Number of active participants	2019-10-31	40
Total funding liabilities for active participants	2019-10-31	2,383,431
Total participant count	2019-10-31	122
Total funding target for all participants	2019-10-31	7,730,844
Balance at beginning of prior year after applicable adjustments	2019-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2019-10-31	0
Amount remaining of carryover balance	2019-10-31	0
Amount remaining of prefunding balance	2019-10-31	0
Present value of excess contributions	2019-10-31	536,184
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2019-10-31	567,175
Balance of carryovers at beginning of current year	2019-10-31	0
Balance of prefunding at beginning of current year	2019-10-31	0
Total employer contributions	2019-10-31	0
Total employee contributions	2019-10-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2019-10-31	0
Contributions made to avoid restrictions adjusted to valuation date	2019-10-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2019-10-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2019-10-31	0
Remaining amount of unpaid minimum required contributions	2019-10-31	0
Minimum required contributions for current year target normal cost	2019-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2019-10-31	0
Additional cash requirement	2019-10-31	0
Contributions allocatedtoward minimum required contributions for current year	2019-10-31	0
Unpaid minimum required contributions for current year	2019-10-31	0
Unpaid minimum required contributions for all years	2019-10-31	0
2018: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2018 401k membership
Total participants, beginning-of-year	2018-11-01	122
Total number of active participants reported on line 7a of the Form 5500	2018-11-01	34
Number of retired or separated participants receiving benefits	2018-11-01	23
Number of other retired or separated participants entitled to future benefits	2018-11-01	60
Total of all active and inactive participants	2018-11-01	117
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-11-01	1
Total participants	2018-11-01	118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-11-01	0
Market value of plan assets	2018-10-31	9,700,143
Acturial value of plan assets	2018-10-31	9,700,143
Funding target for retired participants and beneficiaries receiving payment	2018-10-31	3,626,888
Number of terminated vested participants	2018-10-31	54
Fundng target for terminated vested participants	2018-10-31	818,510
Active participant vested funding target	2018-10-31	3,349,410
Number of active participants	2018-10-31	51
Total funding liabilities for active participants	2018-10-31	3,409,512
Total participant count	2018-10-31	127
Total funding target for all participants	2018-10-31	7,854,910
Balance at beginning of prior year after applicable adjustments	2018-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2018-10-31	0
Amount remaining of carryover balance	2018-10-31	0
Amount remaining of prefunding balance	2018-10-31	0
Present value of excess contributions	2018-10-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2018-10-31	0
Balance of carryovers at beginning of current year	2018-10-31	0
Balance of prefunding at beginning of current year	2018-10-31	0
Total employer contributions	2018-10-31	585,000
Total employee contributions	2018-10-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2018-10-31	0
Contributions made to avoid restrictions adjusted to valuation date	2018-10-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2018-10-31	536,184
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2018-10-31	0
Remaining amount of unpaid minimum required contributions	2018-10-31	0
Minimum required contributions for current year target normal cost	2018-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2018-10-31	0
Additional cash requirement	2018-10-31	0
Contributions allocatedtoward minimum required contributions for current year	2018-10-31	536,184
Unpaid minimum required contributions for current year	2018-10-31	0
Unpaid minimum required contributions for all years	2018-10-31	0
2017: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2017 401k membership
Total participants, beginning-of-year	2017-11-01	127
Total number of active participants reported on line 7a of the Form 5500	2017-11-01	40
Number of retired or separated participants receiving benefits	2017-11-01	24
Number of other retired or separated participants entitled to future benefits	2017-11-01	58
Total of all active and inactive participants	2017-11-01	122
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-11-01	0
Total participants	2017-11-01	122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-11-01	5
Market value of plan assets	2017-10-31	8,792,986
Acturial value of plan assets	2017-10-31	8,792,986
Funding target for retired participants and beneficiaries receiving payment	2017-10-31	3,251,590
Number of terminated vested participants	2017-10-31	46
Fundng target for terminated vested participants	2017-10-31	749,082
Active participant vested funding target	2017-10-31	3,728,712
Number of active participants	2017-10-31	64
Total funding liabilities for active participants	2017-10-31	3,820,830
Total participant count	2017-10-31	130
Total funding target for all participants	2017-10-31	7,821,502
Balance at beginning of prior year after applicable adjustments	2017-10-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2017-10-31	0
Amount remaining of carryover balance	2017-10-31	0
Amount remaining of prefunding balance	2017-10-31	0
Present value of excess contributions	2017-10-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2017-10-31	0
Balance of carryovers at beginning of current year	2017-10-31	0
Balance of prefunding at beginning of current year	2017-10-31	0
Total employer contributions	2017-10-31	0
Total employee contributions	2017-10-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2017-10-31	0
Contributions made to avoid restrictions adjusted to valuation date	2017-10-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2017-10-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2017-10-31	0
Remaining amount of unpaid minimum required contributions	2017-10-31	0
Minimum required contributions for current year target normal cost	2017-10-31	0
Total funding amount beforereflecting carryover/prefunding balances	2017-10-31	0
Additional cash requirement	2017-10-31	0
Contributions allocatedtoward minimum required contributions for current year	2017-10-31	0
Unpaid minimum required contributions for current year	2017-10-31	0
Unpaid minimum required contributions for all years	2017-10-31	0
2016: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2016 401k membership
Total participants, beginning-of-year	2016-11-01	130
Total number of active participants reported on line 7a of the Form 5500	2016-11-01	51
Number of retired or separated participants receiving benefits	2016-11-01	22
Number of other retired or separated participants entitled to future benefits	2016-11-01	54
Total of all active and inactive participants	2016-11-01	127
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-11-01	0
Total participants	2016-11-01	127
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-11-01	5
2015: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year	2015-11-01	127
Total number of active participants reported on line 7a of the Form 5500	2015-11-01	64
Number of retired or separated participants receiving benefits	2015-11-01	20
Number of other retired or separated participants entitled to future benefits	2015-11-01	46
Total of all active and inactive participants	2015-11-01	130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-11-01	0
Total participants	2015-11-01	130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-11-01	3

Financial Data on SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

Measure	Date	Value
2022 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-10-31	$0
Total income from all sources (including contributions)	2022-10-31	$-2,057,886
Total loss/gain on sale of assets	2022-10-31	$0
Total of all expenses incurred	2022-10-31	$393,330
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-10-31	$393,330
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-10-31	$0
Value of total assets at end of year	2022-10-31	$8,883,948
Value of total assets at beginning of year	2022-10-31	$11,335,164
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-10-31	$0
Total interest from all sources	2022-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2022-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-10-31	No
Was this plan covered by a fidelity bond	2022-10-31	Yes
Value of fidelity bond cover	2022-10-31	$500,000
If this is an individual account plan, was there a blackout period	2022-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-10-31	No
Value of net income/loss	2022-10-31	$-2,451,216
Value of net assets at end of year (total assets less liabilities)	2022-10-31	$8,883,948
Value of net assets at beginning of year (total assets less liabilities)	2022-10-31	$11,335,164
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-10-31	No
Were any leases to which the plan was party in default or uncollectible	2022-10-31	No
Value of interest in common/collective trusts at end of year	2022-10-31	$8,883,948
Value of interest in common/collective trusts at beginning of year	2022-10-31	$11,335,164
Net investment gain or loss from common/collective trusts	2022-10-31	$-2,057,886
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-10-31	No
Was there a failure to transmit to the plan any participant contributions	2022-10-31	No
Has the plan failed to provide any benefit when due under the plan	2022-10-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-10-31	$393,330
Did the plan have assets held for investment	2022-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-10-31	No
Opinion of an independent qualified public accountant for this plan	2022-10-31	Unqualified
Accountancy firm name	2022-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2022-10-31	203985546
2021 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-10-31	$0
Total income from all sources (including contributions)	2021-10-31	$2,265,674
Total loss/gain on sale of assets	2021-10-31	$0
Total of all expenses incurred	2021-10-31	$422,202
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-10-31	$422,202
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-10-31	$0
Value of total assets at end of year	2021-10-31	$11,335,164
Value of total assets at beginning of year	2021-10-31	$9,491,692
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-10-31	$0
Total interest from all sources	2021-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2021-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-10-31	No
Was this plan covered by a fidelity bond	2021-10-31	Yes
Value of fidelity bond cover	2021-10-31	$500,000
If this is an individual account plan, was there a blackout period	2021-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2021-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-10-31	No
Value of net income/loss	2021-10-31	$1,843,472
Value of net assets at end of year (total assets less liabilities)	2021-10-31	$11,335,164
Value of net assets at beginning of year (total assets less liabilities)	2021-10-31	$9,491,692
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-10-31	No
Were any leases to which the plan was party in default or uncollectible	2021-10-31	No
Value of interest in common/collective trusts at end of year	2021-10-31	$11,335,164
Value of interest in common/collective trusts at beginning of year	2021-10-31	$9,301,692
Net investment gain or loss from common/collective trusts	2021-10-31	$2,265,674
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-10-31	No
Was there a failure to transmit to the plan any participant contributions	2021-10-31	No
Has the plan failed to provide any benefit when due under the plan	2021-10-31	No
Employer contributions (assets) at beginning of year	2021-10-31	$190,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-10-31	$422,202
Did the plan have assets held for investment	2021-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-10-31	No
Opinion of an independent qualified public accountant for this plan	2021-10-31	Unqualified
Accountancy firm name	2021-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2021-10-31	203985546
2020 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-10-31	$0
Total income from all sources (including contributions)	2020-10-31	$573,339
Total loss/gain on sale of assets	2020-10-31	$0
Total of all expenses incurred	2020-10-31	$920,233
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-10-31	$920,233
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-10-31	$190,000
Value of total assets at end of year	2020-10-31	$9,491,692
Value of total assets at beginning of year	2020-10-31	$9,838,586
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-10-31	$0
Total interest from all sources	2020-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2020-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-10-31	No
Was this plan covered by a fidelity bond	2020-10-31	Yes
Value of fidelity bond cover	2020-10-31	$500,000
If this is an individual account plan, was there a blackout period	2020-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2020-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-10-31	No
Value of net income/loss	2020-10-31	$-346,894
Value of net assets at end of year (total assets less liabilities)	2020-10-31	$9,491,692
Value of net assets at beginning of year (total assets less liabilities)	2020-10-31	$9,838,586
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-10-31	No
Were any leases to which the plan was party in default or uncollectible	2020-10-31	No
Value of interest in common/collective trusts at end of year	2020-10-31	$9,301,692
Value of interest in common/collective trusts at beginning of year	2020-10-31	$9,838,586
Net investment gain or loss from common/collective trusts	2020-10-31	$383,339
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-10-31	No
Was there a failure to transmit to the plan any participant contributions	2020-10-31	No
Has the plan failed to provide any benefit when due under the plan	2020-10-31	No
Contributions received in cash from employer	2020-10-31	$190,000
Employer contributions (assets) at end of year	2020-10-31	$190,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-10-31	$920,233
Did the plan have assets held for investment	2020-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-10-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2020-10-31	No
Opinion of an independent qualified public accountant for this plan	2020-10-31	Unqualified
Accountancy firm name	2020-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2020-10-31	203985546
2019 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-10-31	$0
Total income from all sources (including contributions)	2019-10-31	$937,885
Total loss/gain on sale of assets	2019-10-31	$0
Total of all expenses incurred	2019-10-31	$715,314
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-10-31	$715,314
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-10-31	$0
Value of total assets at end of year	2019-10-31	$9,838,586
Value of total assets at beginning of year	2019-10-31	$9,616,015
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-10-31	$0
Total interest from all sources	2019-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2019-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-10-31	No
Was this plan covered by a fidelity bond	2019-10-31	Yes
Value of fidelity bond cover	2019-10-31	$500,000
If this is an individual account plan, was there a blackout period	2019-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-10-31	No
Value of net income/loss	2019-10-31	$222,571
Value of net assets at end of year (total assets less liabilities)	2019-10-31	$9,838,586
Value of net assets at beginning of year (total assets less liabilities)	2019-10-31	$9,616,015
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-10-31	No
Were any leases to which the plan was party in default or uncollectible	2019-10-31	No
Value of interest in common/collective trusts at end of year	2019-10-31	$9,838,586
Value of interest in common/collective trusts at beginning of year	2019-10-31	$9,031,015
Net investment gain or loss from common/collective trusts	2019-10-31	$937,885
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-10-31	No
Was there a failure to transmit to the plan any participant contributions	2019-10-31	No
Has the plan failed to provide any benefit when due under the plan	2019-10-31	No
Employer contributions (assets) at beginning of year	2019-10-31	$585,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-10-31	$715,314
Did the plan have assets held for investment	2019-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-10-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-10-31	No
Opinion of an independent qualified public accountant for this plan	2019-10-31	Unqualified
Accountancy firm name	2019-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2019-10-31	203985546
2018 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-31	$0
Total income from all sources (including contributions)	2018-10-31	$587,455
Total loss/gain on sale of assets	2018-10-31	$0
Total of all expenses incurred	2018-10-31	$776,963
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-10-31	$776,963
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-10-31	$585,000
Value of total assets at end of year	2018-10-31	$9,616,015
Value of total assets at beginning of year	2018-10-31	$9,805,523
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-10-31	$0
Total interest from all sources	2018-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2018-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-10-31	No
Was this plan covered by a fidelity bond	2018-10-31	Yes
Value of fidelity bond cover	2018-10-31	$500,000
If this is an individual account plan, was there a blackout period	2018-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-10-31	No
Value of net income/loss	2018-10-31	$-189,508
Value of net assets at end of year (total assets less liabilities)	2018-10-31	$9,616,015
Value of net assets at beginning of year (total assets less liabilities)	2018-10-31	$9,805,523
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-10-31	No
Were any leases to which the plan was party in default or uncollectible	2018-10-31	No
Value of interest in common/collective trusts at end of year	2018-10-31	$9,031,015
Value of interest in common/collective trusts at beginning of year	2018-10-31	$9,805,523
Net investment gain or loss from common/collective trusts	2018-10-31	$2,455
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-10-31	No
Was there a failure to transmit to the plan any participant contributions	2018-10-31	No
Has the plan failed to provide any benefit when due under the plan	2018-10-31	No
Contributions received in cash from employer	2018-10-31	$585,000
Employer contributions (assets) at end of year	2018-10-31	$585,000
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-10-31	$776,963
Did the plan have assets held for investment	2018-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-10-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-10-31	No
Opinion of an independent qualified public accountant for this plan	2018-10-31	Unqualified
Accountancy firm name	2018-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2018-10-31	203985546
2017 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-10-31	$0
Total income from all sources (including contributions)	2017-10-31	$1,296,726
Total loss/gain on sale of assets	2017-10-31	$0
Total of all expenses incurred	2017-10-31	$298,466
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-10-31	$298,466
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-10-31	$0
Value of total assets at end of year	2017-10-31	$9,805,523
Value of total assets at beginning of year	2017-10-31	$8,807,263
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-10-31	$0
Total interest from all sources	2017-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2017-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-10-31	No
Was this plan covered by a fidelity bond	2017-10-31	Yes
Value of fidelity bond cover	2017-10-31	$500,000
If this is an individual account plan, was there a blackout period	2017-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-10-31	No
Value of net income/loss	2017-10-31	$998,260
Value of net assets at end of year (total assets less liabilities)	2017-10-31	$9,805,523
Value of net assets at beginning of year (total assets less liabilities)	2017-10-31	$8,807,263
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-10-31	No
Were any leases to which the plan was party in default or uncollectible	2017-10-31	No
Value of interest in common/collective trusts at end of year	2017-10-31	$9,805,523
Value of interest in common/collective trusts at beginning of year	2017-10-31	$8,807,263
Net investment gain or loss from common/collective trusts	2017-10-31	$1,296,726
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-10-31	No
Was there a failure to transmit to the plan any participant contributions	2017-10-31	No
Has the plan failed to provide any benefit when due under the plan	2017-10-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-10-31	$298,466
Did the plan have assets held for investment	2017-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-10-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-10-31	No
Opinion of an independent qualified public accountant for this plan	2017-10-31	Unqualified
Accountancy firm name	2017-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2017-10-31	203985546
2016 : SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-10-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-10-31	$0
Total income from all sources (including contributions)	2016-10-31	$306,696
Total loss/gain on sale of assets	2016-10-31	$0
Total of all expenses incurred	2016-10-31	$296,309
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-10-31	$296,309
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-10-31	$0
Value of total assets at end of year	2016-10-31	$8,807,263
Value of total assets at beginning of year	2016-10-31	$8,796,876
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-10-31	$0
Total interest from all sources	2016-10-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2016-10-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-10-31	No
Was this plan covered by a fidelity bond	2016-10-31	Yes
Value of fidelity bond cover	2016-10-31	$500,000
If this is an individual account plan, was there a blackout period	2016-10-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-10-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-10-31	No
Value of net income/loss	2016-10-31	$10,387
Value of net assets at end of year (total assets less liabilities)	2016-10-31	$8,807,263
Value of net assets at beginning of year (total assets less liabilities)	2016-10-31	$8,796,876
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-10-31	No
Were any leases to which the plan was party in default or uncollectible	2016-10-31	No
Value of interest in common/collective trusts at end of year	2016-10-31	$8,807,263
Value of interest in common/collective trusts at beginning of year	2016-10-31	$8,796,876
Net investment gain or loss from common/collective trusts	2016-10-31	$306,696
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-10-31	No
Was there a failure to transmit to the plan any participant contributions	2016-10-31	No
Has the plan failed to provide any benefit when due under the plan	2016-10-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-10-31	$296,309
Did the plan have assets held for investment	2016-10-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-10-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-10-31	No
Opinion of an independent qualified public accountant for this plan	2016-10-31	Unqualified
Accountancy firm name	2016-10-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2016-10-31	203985546

Form 5500 Responses for SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK

2021: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2021 form 5500 responses
2021-11-01	Type of plan entity	Single employer plan
2021-11-01	Submission has been amended	No
2021-11-01	This submission is the final filing	No
2021-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-11-01	Plan is a collectively bargained plan	No
2021-11-01	Plan funding arrangement – Trust	Yes
2021-11-01	Plan benefit arrangement - Trust	Yes
2020: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2020 form 5500 responses
2020-11-01	Type of plan entity	Single employer plan
2020-11-01	Submission has been amended	No
2020-11-01	This submission is the final filing	No
2020-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-11-01	Plan is a collectively bargained plan	No
2020-11-01	Plan funding arrangement – Trust	Yes
2020-11-01	Plan benefit arrangement - Trust	Yes
2019: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2019 form 5500 responses
2019-11-01	Type of plan entity	Single employer plan
2019-11-01	Submission has been amended	No
2019-11-01	This submission is the final filing	No
2019-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-11-01	Plan is a collectively bargained plan	No
2019-11-01	Plan funding arrangement – Trust	Yes
2019-11-01	Plan benefit arrangement - Trust	Yes
2018: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2018 form 5500 responses
2018-11-01	Type of plan entity	Single employer plan
2018-11-01	Submission has been amended	No
2018-11-01	This submission is the final filing	No
2018-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-11-01	Plan is a collectively bargained plan	No
2018-11-01	Plan funding arrangement – Trust	Yes
2018-11-01	Plan benefit arrangement - Trust	Yes
2017: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2017 form 5500 responses
2017-11-01	Type of plan entity	Single employer plan
2017-11-01	Submission has been amended	No
2017-11-01	This submission is the final filing	No
2017-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-11-01	Plan is a collectively bargained plan	No
2017-11-01	Plan funding arrangement – Trust	Yes
2017-11-01	Plan benefit arrangement - Trust	Yes
2016: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2016 form 5500 responses
2016-11-01	Type of plan entity	Single employer plan
2016-11-01	Submission has been amended	No
2016-11-01	This submission is the final filing	No
2016-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-11-01	Plan is a collectively bargained plan	No
2016-11-01	Plan funding arrangement – Trust	Yes
2016-11-01	Plan benefit arrangement - Trust	Yes
2015: SBERA PENSION PLAN AS ADOPTED BY NORTH MIDDLESEX SAVINGS BANK 2015 form 5500 responses
2015-11-01	Type of plan entity	Single employer plan
2015-11-01	Submission has been amended	No
2015-11-01	This submission is the final filing	No
2015-11-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-11-01	Plan is a collectively bargained plan	No
2015-11-01	Plan funding arrangement – Trust	Yes
2015-11-01	Plan benefit arrangement - Trust	Yes

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Company Name:	MAIN STREET BANK
Employer identification number (EIN):	041584100
NAIC Classification:	522120
NAIC Description:	Savings Institutions

Jurisdiction of Incorporation:	Commonwealth of Massachusetts Corporations Division
Incorporation Date:
Company Identification Number:	000952223