401k Plan data: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK plan

SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 401k Plan overview

Plan Name	SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK
Plan identification number	002

SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

WATERTOWN SAVINGS BANK has sponsored the creation of one or more 401k plans.

Company Name: WATERTOWN SAVINGS BANK

Employer identification number (EIN): 041950840

NAIC Classification: 522120
NAIC Description: Savings Institutions

Additional information about WATERTOWN SAVINGS BANK

Jurisdiction of Incorporation: Commonwealth of Massachusetts Corporations Division

Incorporation Date:

Company Identification Number: 000996192

More information about WATERTOWN SAVINGS BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2022-01-01
002 2021-01-01
002 2020-01-01
002 2019-01-01
002 2018-01-01
002 2017-01-01 THOMAS FORESE, JR.
002 2016-01-01 THOMAS FORESE, JR.
002 2015-01-01 THOMAS FORESE, JR.
002 2014-01-01 THOMAS FORESE, JR.
002 2013-01-01 THOMAS FORESE JR
002 2012-01-01 THOMAS FORESE JR.
002 2011-01-01 THOMAS FORESE JR.
002 2010-01-01 THOMAS FORESE JR.
002 2009-01-01 THOMAS FORESE JR.

Plan Statistics for SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK

401k plan membership statisitcs for SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK

Measure Date Value
2022: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2022 401k membership
Total participants, beginning-of-year 2022-01-01 213
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 114
Number of retired or separated participants receiving benefits 2022-01-01 6
Number of other retired or separated participants entitled to future benefits 2022-01-01 87
Total of all active and inactive participants 2022-01-01 207
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 2
Total participants 2022-01-01 209
Number of participants with account balances 2022-01-01 207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 4
2021: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2021 401k membership
Total participants, beginning-of-year 2021-01-01 213
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 118
Number of retired or separated participants receiving benefits 2021-01-01 6
Number of other retired or separated participants entitled to future benefits 2021-01-01 87
Total of all active and inactive participants 2021-01-01 211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 211
Number of participants with account balances 2021-01-01 210
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 5
2020: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2020 401k membership
Total participants, beginning-of-year 2020-01-01 215
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 128
Number of retired or separated participants receiving benefits 2020-01-01 7
Number of other retired or separated participants entitled to future benefits 2020-01-01 78
Total of all active and inactive participants 2020-01-01 213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 213
Number of participants with account balances 2020-01-01 211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2019 401k membership
Total participants, beginning-of-year 2019-01-01 202
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 133
Number of retired or separated participants receiving benefits 2019-01-01 8
Number of other retired or separated participants entitled to future benefits 2019-01-01 72
Total of all active and inactive participants 2019-01-01 213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 213
Number of participants with account balances 2019-01-01 212
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 6
2018: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2018 401k membership
Total participants, beginning-of-year 2018-01-01 205
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 129
Number of retired or separated participants receiving benefits 2018-01-01 5
Number of other retired or separated participants entitled to future benefits 2018-01-01 68
Total of all active and inactive participants 2018-01-01 202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 202
Number of participants with account balances 2018-01-01 198
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 3
2017: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2017 401k membership
Total participants, beginning-of-year 2017-01-01 220
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 136
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 69
Total of all active and inactive participants 2017-01-01 205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 205
Number of participants with account balances 2017-01-01 199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 5
2016: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2016 401k membership
Total participants, beginning-of-year 2016-01-01 210
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 138
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 82
Total of all active and inactive participants 2016-01-01 220
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 220
Number of participants with account balances 2016-01-01 213
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 4
2015: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year 2015-01-01 214
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 136
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 74
Total of all active and inactive participants 2015-01-01 210
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 210
Number of participants with account balances 2015-01-01 202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 2
2014: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2014 401k membership
Total participants, beginning-of-year 2014-01-01 214
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 137
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 77
Total of all active and inactive participants 2014-01-01 214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 214
Number of participants with account balances 2014-01-01 52
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2013 401k membership
Total participants, beginning-of-year 2013-01-01 216
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 141
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 73
Total of all active and inactive participants 2013-01-01 214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 214
Number of participants with account balances 2013-01-01 207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 5
2012: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2012 401k membership
Total participants, beginning-of-year 2012-01-01 209
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 150
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 66
Total of all active and inactive participants 2012-01-01 216
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 216
Number of participants with account balances 2012-01-01 207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 2
2011: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2011 401k membership
Total participants, beginning-of-year 2011-01-01 210
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 149
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 60
Total of all active and inactive participants 2011-01-01 209
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 209
Number of participants with account balances 2011-01-01 201
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2010 401k membership
Total participants, beginning-of-year 2010-01-01 211
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 147
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 63
Total of all active and inactive participants 2010-01-01 210
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 210
Number of participants with account balances 2010-01-01 202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2009 401k membership
Total participants, beginning-of-year 2009-01-01 218
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 157
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 54
Total of all active and inactive participants 2009-01-01 211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 211
Number of participants with account balances 2009-01-01 206
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 3

Measure	Date	Value
2022: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2022 401k membership
Total participants, beginning-of-year	2022-01-01	213
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	114
Number of retired or separated participants receiving benefits	2022-01-01	6
Number of other retired or separated participants entitled to future benefits	2022-01-01	87
Total of all active and inactive participants	2022-01-01	207
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	2
Total participants	2022-01-01	209
Number of participants with account balances	2022-01-01	207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	4
2021: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2021 401k membership
Total participants, beginning-of-year	2021-01-01	213
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	118
Number of retired or separated participants receiving benefits	2021-01-01	6
Number of other retired or separated participants entitled to future benefits	2021-01-01	87
Total of all active and inactive participants	2021-01-01	211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	211
Number of participants with account balances	2021-01-01	210
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	5
2020: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2020 401k membership
Total participants, beginning-of-year	2020-01-01	215
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	128
Number of retired or separated participants receiving benefits	2020-01-01	7
Number of other retired or separated participants entitled to future benefits	2020-01-01	78
Total of all active and inactive participants	2020-01-01	213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	213
Number of participants with account balances	2020-01-01	211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2019 401k membership
Total participants, beginning-of-year	2019-01-01	202
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	133
Number of retired or separated participants receiving benefits	2019-01-01	8
Number of other retired or separated participants entitled to future benefits	2019-01-01	72
Total of all active and inactive participants	2019-01-01	213
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	213
Number of participants with account balances	2019-01-01	212
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	6
2018: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2018 401k membership
Total participants, beginning-of-year	2018-01-01	205
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	129
Number of retired or separated participants receiving benefits	2018-01-01	5
Number of other retired or separated participants entitled to future benefits	2018-01-01	68
Total of all active and inactive participants	2018-01-01	202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	202
Number of participants with account balances	2018-01-01	198
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	3
2017: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2017 401k membership
Total participants, beginning-of-year	2017-01-01	220
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	136
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	69
Total of all active and inactive participants	2017-01-01	205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	205
Number of participants with account balances	2017-01-01	199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	5
2016: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2016 401k membership
Total participants, beginning-of-year	2016-01-01	210
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	138
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	82
Total of all active and inactive participants	2016-01-01	220
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	220
Number of participants with account balances	2016-01-01	213
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	4
2015: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2015 401k membership
Total participants, beginning-of-year	2015-01-01	214
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	136
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	74
Total of all active and inactive participants	2015-01-01	210
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	210
Number of participants with account balances	2015-01-01	202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	2
2014: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2014 401k membership
Total participants, beginning-of-year	2014-01-01	214
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	137
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	77
Total of all active and inactive participants	2014-01-01	214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	214
Number of participants with account balances	2014-01-01	52
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2013 401k membership
Total participants, beginning-of-year	2013-01-01	216
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	141
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	73
Total of all active and inactive participants	2013-01-01	214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	214
Number of participants with account balances	2013-01-01	207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	5
2012: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2012 401k membership
Total participants, beginning-of-year	2012-01-01	209
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	150
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	66
Total of all active and inactive participants	2012-01-01	216
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	216
Number of participants with account balances	2012-01-01	207
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	2
2011: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2011 401k membership
Total participants, beginning-of-year	2011-01-01	210
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	149
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	60
Total of all active and inactive participants	2011-01-01	209
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	209
Number of participants with account balances	2011-01-01	201
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2010 401k membership
Total participants, beginning-of-year	2010-01-01	211
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	147
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	63
Total of all active and inactive participants	2010-01-01	210
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	210
Number of participants with account balances	2010-01-01	202
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2009 401k membership
Total participants, beginning-of-year	2009-01-01	218
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	157
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	54
Total of all active and inactive participants	2009-01-01	211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	211
Number of participants with account balances	2009-01-01	206
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	3

Financial Data on SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK

Measure	Date	Value
2022 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-4,643,737
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$4,814,943
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$4,814,503
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$1,416,228
Value of total assets at end of year	2022-12-31	$31,761,656
Value of total assets at beginning of year	2022-12-31	$41,220,336
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$440
Total interest from all sources	2022-12-31	$14,546
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$878,859
Participant contributions at end of year	2022-12-31	$298,099
Participant contributions at beginning of year	2022-12-31	$326,134
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$13,438
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-9,458,680
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$31,761,656
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$41,220,336
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Interest on participant loans	2022-12-31	$14,546
Value of interest in common/collective trusts at end of year	2022-12-31	$31,463,557
Value of interest in common/collective trusts at beginning of year	2022-12-31	$40,894,202
Net investment gain or loss from common/collective trusts	2022-12-31	$-6,074,511
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$523,931
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$4,814,503
Contract administrator fees	2022-12-31	$440
Did the plan have assets held for investment	2022-12-31	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	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2022-12-31	203985546
2021 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$6,274,306
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$481,848
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$481,198
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$1,742,597
Value of total assets at end of year	2021-12-31	$41,220,336
Value of total assets at beginning of year	2021-12-31	$35,427,878
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$650
Total interest from all sources	2021-12-31	$17,792
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$930,803
Participant contributions at end of year	2021-12-31	$326,134
Participant contributions at beginning of year	2021-12-31	$346,206
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$263,385
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$5,792,458
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$41,220,336
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$35,427,878
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Interest on participant loans	2021-12-31	$17,792
Value of interest in common/collective trusts at end of year	2021-12-31	$40,894,202
Value of interest in common/collective trusts at beginning of year	2021-12-31	$35,081,672
Net investment gain or loss from common/collective trusts	2021-12-31	$4,513,917
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$548,409
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$481,198
Contract administrator fees	2021-12-31	$650
Did the plan have assets held for investment	2021-12-31	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	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2021-12-31	203985546
2020 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$5,455,855
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,282,206
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,281,716
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,605,322
Value of total assets at end of year	2020-12-31	$35,427,878
Value of total assets at beginning of year	2020-12-31	$31,254,229
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$490
Total interest from all sources	2020-12-31	$23,316
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$917,192
Participant contributions at end of year	2020-12-31	$346,206
Participant contributions at beginning of year	2020-12-31	$456,400
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$117,015
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$4,173,649
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$35,427,878
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$31,254,229
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Interest on participant loans	2020-12-31	$23,316
Value of interest in common/collective trusts at end of year	2020-12-31	$35,081,672
Value of interest in common/collective trusts at beginning of year	2020-12-31	$30,797,829
Net investment gain or loss from common/collective trusts	2020-12-31	$3,827,217
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$571,115
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,281,716
Contract administrator fees	2020-12-31	$490
Did the plan have assets held for investment	2020-12-31	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	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2020-12-31	203985546
2019 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$6,410,948
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$588,892
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$588,342
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,518,718
Value of total assets at end of year	2019-12-31	$31,254,229
Value of total assets at beginning of year	2019-12-31	$25,432,173
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$550
Total interest from all sources	2019-12-31	$27,023
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$867,328
Participant contributions at end of year	2019-12-31	$456,400
Participant contributions at beginning of year	2019-12-31	$498,532
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$103,493
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$5,822,056
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$31,254,229
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$25,432,173
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Interest on participant loans	2019-12-31	$27,023
Value of interest in common/collective trusts at end of year	2019-12-31	$30,797,829
Value of interest in common/collective trusts at beginning of year	2019-12-31	$24,933,641
Net investment gain or loss from common/collective trusts	2019-12-31	$4,865,207
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$547,897
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$588,342
Contract administrator fees	2019-12-31	$550
Did the plan have assets held for investment	2019-12-31	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	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	No
Opinion of an independent qualified public accountant for this plan	2019-12-31	Unqualified
Accountancy firm name	2019-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2019-12-31	203985546
2018 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$2,840,938
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$3,136,065
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$3,136,015
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$3,728,102
Value of total assets at end of year	2018-12-31	$25,432,173
Value of total assets at beginning of year	2018-12-31	$25,727,300
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$50
Total interest from all sources	2018-12-31	$23,231
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
If this is an individual account plan, was there a blackout period	2018-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$856,433
Participant contributions at end of year	2018-12-31	$498,532
Participant contributions at beginning of year	2018-12-31	$413,057
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$2,335,406
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-295,127
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$25,432,173
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$25,727,300
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Income. Interest from loans (other than to participants)	2018-12-31	$23,231
Value of interest in common/collective trusts at end of year	2018-12-31	$24,933,641
Value of interest in common/collective trusts at beginning of year	2018-12-31	$25,314,243
Net investment gain or loss from common/collective trusts	2018-12-31	$-910,395
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$536,263
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$3,136,015
Contract administrator fees	2018-12-31	$50
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2018-12-31	Yes
Did the plan have assets held for investment	2018-12-31	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	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	No
Opinion of an independent qualified public accountant for this plan	2018-12-31	Unqualified
Accountancy firm name	2018-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2018-12-31	203985546
2017 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$4,551,930
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$1,632,061
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,604,963
Expenses. Certain deemed distributions of participant loans	2017-12-31	$27,098
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$1,365,381
Value of total assets at end of year	2017-12-31	$25,727,300
Value of total assets at beginning of year	2017-12-31	$22,807,431
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$0
Total interest from all sources	2017-12-31	$18,037
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$828,746
Participant contributions at end of year	2017-12-31	$413,057
Participant contributions at beginning of year	2017-12-31	$465,899
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$14,923
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$2,919,869
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$25,727,300
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$22,807,431
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Interest on participant loans	2017-12-31	$18,037
Value of interest in common/collective trusts at end of year	2017-12-31	$25,314,243
Value of interest in common/collective trusts at beginning of year	2017-12-31	$22,341,532
Net investment gain or loss from common/collective trusts	2017-12-31	$3,168,512
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$521,712
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,604,963
Did the plan have assets held for investment	2017-12-31	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	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	No
Opinion of an independent qualified public accountant for this plan	2017-12-31	Unqualified
Accountancy firm name	2017-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2017-12-31	203985546
2016 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$2,976,459
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$1,391,153
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$1,391,153
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$1,543,831
Value of total assets at end of year	2016-12-31	$22,807,431
Value of total assets at beginning of year	2016-12-31	$21,222,125
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$0
Total interest from all sources	2016-12-31	$20,529
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$834,385
Participant contributions at end of year	2016-12-31	$465,899
Participant contributions at beginning of year	2016-12-31	$465,469
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$190,120
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$1,585,306
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$22,807,431
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$21,222,125
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Interest on participant loans	2016-12-31	$20,529
Value of interest in common/collective trusts at end of year	2016-12-31	$22,341,532
Value of interest in common/collective trusts at beginning of year	2016-12-31	$20,756,656
Net investment gain or loss from common/collective trusts	2016-12-31	$1,412,099
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$519,326
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$1,391,153
Did the plan have assets held for investment	2016-12-31	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	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2016-12-31	203985546
2015 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$1,228,508
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$2,438,503
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$2,395,078
Expenses. Certain deemed distributions of participant loans	2015-12-31	$43,425
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,372,707
Value of total assets at end of year	2015-12-31	$21,222,125
Value of total assets at beginning of year	2015-12-31	$22,432,120
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$0
Total interest from all sources	2015-12-31	$18,273
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$804,867
Participant contributions at end of year	2015-12-31	$465,469
Participant contributions at beginning of year	2015-12-31	$453,997
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$60,285
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$-1,209,995
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$21,222,125
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$22,432,120
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Interest on participant loans	2015-12-31	$18,273
Value of interest in common/collective trusts at end of year	2015-12-31	$20,756,656
Value of interest in common/collective trusts at beginning of year	2015-12-31	$21,978,123
Net investment gain or loss from common/collective trusts	2015-12-31	$-162,472
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$507,555
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$2,395,078
Did the plan have assets held for investment	2015-12-31	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	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2015-12-31	203985546
2014 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$2,337,441
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$304,193
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$276,478
Expenses. Certain deemed distributions of participant loans	2014-12-31	$27,715
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$1,333,438
Value of total assets at end of year	2014-12-31	$22,432,120
Value of total assets at beginning of year	2014-12-31	$20,398,872
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$0
Total interest from all sources	2014-12-31	$16,136
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$813,805
Participant contributions at end of year	2014-12-31	$453,997
Participant contributions at beginning of year	2014-12-31	$399,571
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$2,482
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$2,033,248
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$22,432,120
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$20,398,872
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Interest on participant loans	2014-12-31	$16,136
Value of interest in common/collective trusts at end of year	2014-12-31	$21,978,123
Value of interest in common/collective trusts at beginning of year	2014-12-31	$19,999,301
Net investment gain or loss from common/collective trusts	2014-12-31	$987,867
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$517,151
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$276,478
Did the plan have assets held for investment	2014-12-31	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	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	JOHNSON OCONNOR FERON & CARUCCI LLP
Accountancy firm EIN	2014-12-31	203985546
2013 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$4,181,268
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$1,077,876
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,065,694
Expenses. Certain deemed distributions of participant loans	2013-12-31	$12,182
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$1,330,145
Value of total assets at end of year	2013-12-31	$20,398,872
Value of total assets at beginning of year	2013-12-31	$17,295,480
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$0
Total interest from all sources	2013-12-31	$17,364
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$819,268
Participant contributions at end of year	2013-12-31	$399,571
Participant contributions at beginning of year	2013-12-31	$406,562
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$3,094
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$3,103,392
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$20,398,872
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$17,295,480
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Interest on participant loans	2013-12-31	$17,364
Value of interest in common/collective trusts at end of year	2013-12-31	$19,999,301
Value of interest in common/collective trusts at beginning of year	2013-12-31	$16,888,918
Net investment gain or loss from common/collective trusts	2013-12-31	$2,833,759
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$507,783
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,065,694
Did the plan have assets held for investment	2013-12-31	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	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	MARCUM LLP
Accountancy firm EIN	2013-12-31	111986323
2012 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$2,745,085
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$635,410
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$631,871
Expenses. Certain deemed distributions of participant loans	2012-12-31	$3,539
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,339,983
Value of total assets at end of year	2012-12-31	$17,295,480
Value of total assets at beginning of year	2012-12-31	$15,185,805
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$0
Total interest from all sources	2012-12-31	$19,410
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$800,346
Participant contributions at end of year	2012-12-31	$406,562
Participant contributions at beginning of year	2012-12-31	$487,584
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$41,247
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$2,109,675
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$17,295,480
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$15,185,805
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Interest on participant loans	2012-12-31	$19,410
Value of interest in common/collective trusts at end of year	2012-12-31	$16,888,918
Value of interest in common/collective trusts at beginning of year	2012-12-31	$14,698,221
Net investment gain or loss from common/collective trusts	2012-12-31	$1,385,692
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$498,390
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$631,871
Did the plan have assets held for investment	2012-12-31	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	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	MARCUM LLP
Accountancy firm EIN	2012-12-31	111986323
2011 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,294,447
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$1,454,024
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,454,024
Expenses. Certain deemed distributions of participant loans	2011-12-31	$0
Value of total corrective distributions	2011-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,261,616
Value of total assets at end of year	2011-12-31	$15,185,805
Value of total assets at beginning of year	2011-12-31	$15,345,382
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$0
Total interest from all sources	2011-12-31	$21,206
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$500,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$781,687
Participant contributions at end of year	2011-12-31	$487,584
Participant contributions at beginning of year	2011-12-31	$448,357
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$2,350
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-159,577
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$15,185,805
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$15,345,382
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Interest on participant loans	2011-12-31	$21,206
Value of interest in common/collective trusts at end of year	2011-12-31	$14,698,221
Value of interest in common/collective trusts at beginning of year	2011-12-31	$14,897,025
Net investment gain or loss from common/collective trusts	2011-12-31	$11,625
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$477,579
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,454,024
Did the plan have assets held for investment	2011-12-31	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	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	PARENT, MCLAUGHLIN & NANGLE, INC.
Accountancy firm EIN	2011-12-31	042603383
2010 : SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$2,862,058
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$817,356
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$811,511
Expenses. Certain deemed distributions of participant loans	2010-12-31	$5,845
Value of total corrective distributions	2010-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,622,762
Value of total assets at end of year	2010-12-31	$15,345,382
Value of total assets at beginning of year	2010-12-31	$13,300,680
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$0
Total interest from all sources	2010-12-31	$19,533
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$500,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$1,150,278
Participant contributions at end of year	2010-12-31	$448,357
Participant contributions at beginning of year	2010-12-31	$321,695
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$282
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$2,044,702
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$15,345,382
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$13,300,680
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Interest on participant loans	2010-12-31	$19,533
Value of interest in common/collective trusts at end of year	2010-12-31	$14,897,025
Value of interest in common/collective trusts at beginning of year	2010-12-31	$12,978,985
Net investment gain or loss from common/collective trusts	2010-12-31	$1,219,763
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$472,202
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$811,511
Did the plan have assets held for investment	2010-12-31	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	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	PARENT, MCLAUGHLIN & NANGLE, INC.
Accountancy firm EIN	2010-12-31	042603383

Form 5500 Responses for SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK

2022: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: SBERA 401(K) PLAN AS ADOPTED BY WATERTOWN SAVINGS BANK 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	WATERTOWN SAVINGS BANK
Employer identification number (EIN):	041950840
NAIC Classification:	522120
NAIC Description:	Savings Institutions

Jurisdiction of Incorporation:	Commonwealth of Massachusetts Corporations Division
Incorporation Date:
Company Identification Number:	000996192