Cambridge Trust Company 401(k) Plan: Login, Facts & Contact Information

Cambridge Trust Company 401(k) Plan Facts

Plan name
CAMBRIDGE BANCORP SAVINGS INVESTMENT PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CAMBRIDGE TRUST COMPANY
Participants
565
Former employees with a balance
5
Plan assets
$140,553 at Dec 31, 2024
Average account balance
$28,111 across 5 accounts
Employer contributions
$1,119,009 in plan year 2024 (30% of all contributions)
Recordkeeper
Sentinel Benefits Group, Llc
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1975
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 10, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $3.78 million went into the plan in contributions, $1.12 million of it from the employer (30%).
  • $85.6 million was paid out to participants.
  • Investment and other income added $8.49 million.
  • Administrative expenses were $229,644, about $45,929 per account.

How the Cambridge Trust Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019428$57.1 million$2.47 million$5.32 million
2020483$71.0 million$2.96 million$6.88 million
2021524$80.9 million$3.33 million$8.70 million
2022542$64.1 million$3.75 million$11.9 million
2023593$73.7 million$1.89 million$9.02 million
2024565$140,553$1.12 million$85.6 million

Cambridge Trust Company 401(k) Contact Information

Phone
617-520-5541
Mailing address
78 BLANCHARD ROAD, 4TH FLOOR, BURLINGTON MA 01803
Plan sponsor
CAMBRIDGE TRUST COMPANY
Employer identification number (EIN)
04-1145370
Plan number
002

Questions about the Cambridge Trust Company 401(k)

Does Cambridge Trust Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $1.12 million, 30% of all contributions.

Does the Cambridge Trust Company 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Cambridge Trust Company 401(k) plan?

565 participants at the start of plan year 2024, and 5 former employees who still had money in the plan.

What is the average 401(k) balance at Cambridge Trust Company?

About $28,111 per account: $140,553 in plan assets across 5 accounts with a balance at the end of plan year 2024.

Who manages the Cambridge Trust Company 401(k) accounts?

SENTINEL BENEFITS GROUP, LLC is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Cambridge Trust Company. How do I access my 401(k)?

Your account stays with SENTINEL BENEFITS GROUP, LLC after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

Related Companies
Headquarter: 1374 MASSACHUSETTS AVENUE, CAMBRIDGE, MA, 02138
Headquarter: 5801 SKYLAB ROAD, HUNTINGTON BEACH, CA, 92647
Headquarter: 6035 PARKLAND BLVD, CLEVELAND, OH, 441244186
Headquarter: 7820 CRESCENT EXECUTIVE DRIVE, CHARLOTTE, NC, 28217
Headquarter: 3000 SCHWAB WAY, WESTLAKE, TX, 76262