# Cambridge Savings Bank 401(k) Plan
Source: https://planprovider.pro/companies/cambridge-savings-bank-401k-plan

> Cambridge Savings Bank's 401(k) plan: 475 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Cambridge Savings Bank

- **Sponsor EIN:** 041145100

- **Sponsor Address:** 1374 MASSACHUSETTS AVENUE, CAMBRIDGE, MA, 02138

- **Plan Type:** 401(k)

- **Total Participants:** 475

- **Total Assets:** $117.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|475|$117.2M|$4.0M|$4.9M|

| 2023|478|$103.1M|$3.8M|$4.7M|

| 2022|475|$88.1M|$3.2M|$4.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$26,022|—|$26,022|

| STRATEGIC ADVISORS, INC.|ADVISOR|$19,674|—|$19,674|

| WOLF AND COMPANY, P.C.|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [FIDELITY INVESTMENTS INSTITUTIONAL](https://planprovider.pro/provider/fidelity-investments) — RECORDKEEPER

- [STRATEGIC ADVISORS, INC.](https://planprovider.pro/provider/creative-planning) — ADVISOR

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $45,696

- **Estimated Expense Ratio:** 0.039% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$45,696|$19,674|—|—|—|

| 2023|$39,226|$12,781|—|—|—|

| 2022|$40,568|$9,409|—|—|—|

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