Employers › Cambridge Trust
Recordkeeping fees per participant · Cambridge Bancorp Savings Investment Plan · plan year 2024
$27,845.20
Higher than 99% of the 436 plans under $1M that report it.
= $139,226 / 5
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010123258NAL0007721297001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010123258NAL0007721297001, received 2025-10-10
Percentiles compare this plan with the Schedule H plans under $1M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-10-10.
Administrative expenses excluding investment management, per participant
$32,112.20
Higher than 98% of the 769 plans under $1M that report it.
= $160,561 / 5
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010123258NAL0007721297001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010123258NAL0007721297001, received 2025-10-10
Administrative expenses per participant
$45,928.80
Higher than 99% of the 1,011 plans under $1M that report it.
= $229,644 / 5
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010123258NAL0007721297001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010123258NAL0007721297001, received 2025-10-10
Administrative expenses as a share of assets
163.386%
Higher than 93% of the 1,053 plans under $1M that report it.
= $229,644 / $140,553
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010123258NAL0007721297001, received 2025-10-10
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010123258NAL0007721297001, received 2025-10-10
Employer contributions per participant
$223,802
Higher than 99% of the 605 plans under $1M that report it.
= $1,119,009 / 5
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010123258NAL0007721297001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010123258NAL0007721297001, received 2025-10-10
Employer share of total contributions
29.6%
Higher than 44% of the 625 plans under $1M that report it.
= $1,119,009 / $3,779,086
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010123258NAL0007721297001, received 2025-10-10
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010123258NAL0007721297001, received 2025-10-10
Plan terms are not published in public filings.
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2T default investment (QDIA) · 3D IRS pre-approved plan · 3H controlled-group sponsor · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251010123258NAL0007721297001, received 2025-10-10
| Field | Value | Source |
|---|---|---|
| Plan sponsor | CAMBRIDGE TRUST COMPANY | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Plan name | CAMBRIDGE BANCORP SAVINGS INVESTMENT PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Sponsor EIN / plan number | 04-1145370 / 002 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Sponsor location | BURLINGTON, MA | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Industry (business code) | 522110, Finance and insurance | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Filing received | 2025-10-10 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Participants, beginning of year | 565 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Active participants | 0 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Participants, end of year | 5 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Participants with an account balance | 5 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total assets, beginning of year | $73,702,095 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total assets, end of year | $140,553 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Net assets, end of year | $140,553 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total income | $12,264,892 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Net income | $-73,561,542 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Employer contributions | $1,119,009 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Participant contributions | $2,433,617 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Other contributions (incl. rollovers) | $226,460 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total contributions | $3,779,086 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Benefit payments | $85,596,790 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total expenses (incl. benefit payments) | $85,826,434 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Total administrative expenses | $229,644 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Recordkeeping fees | $139,226 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Investment advisory and management fees | $69,083 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Administrative expenses excluding investment management | $160,561 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Held in mutual funds | $0 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251010123258NAL0007721297001, received 2025-10-10 |
| Independent auditor | BAKER NEWMAN NOYES LLC | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251010123258NAL0007721297001, received 2025-10-10 |
Position = column in the DOL layout for form year 2024. Filing 20251010123258NAL0007721297001, received 2025-10-10.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| SENTINEL BENEFITS GROUP, LLCrecordkeeper | N/A | 15 Recordkeeping and information management; 50 Direct payment from the plan | $139,226 | no |
| SENTINEL PENSION ADVISORS | N/A | 27 Investment advisory (plan); 50 Direct payment from the plan | $69,083 | no |
| CHARLES SCHWAB TRUST BANK | N/A | 19 Custodial (securities); 21 Trustee (bank, trust company or similar); 50 Direct payment from the plan | $21,335 | no |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20251010123258NAL0007721297001, received 2025-10-10.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $73,702,095 | $140,553 | -99.8% |
| Participants with a balance | 542 | 5 | -99.1% |
| Administrative expenses | $155,217 | $229,644 | 48.0% |
| Recordkeeping fees per participant | $142.12 | $27,845.20 | 19493.0% |
| Employer contributions | $1,894,512 | $1,119,009 | -40.9% |
Prior filing 20241011091449NAL0010761395001, received 2024-10-11; the plan years are contiguous.
Sponsor name as filed: CAMBRIDGE TRUST COMPANY; SEC registrant: CAMBRIDGE TRUST CO (CIK 1074272, matched by EIN).