DFX Intelligence

Allocator Intelligence

The capital-owner graph behind private markets. Who owns the capital, who decides, how much, under what policy, on whose advice, to which managers, and what changed, with a source and a date behind every row. A target is never an actual, a disclosed holding is never an approval, and an estimate says so.

Corporate pension

The Retirement Plan of Ridgewood Savings Bank

Corporate pensionRidgewood, NY
Assets
$167M
Total assets, Sep 30, 2025 reported
Funded
100.7%
Oct 1, 2024
Private markets target
n/a
policy Sep 30, 2025
Commitments
18
none on the tape
Plan sponsor: Ridgewood Savings Bank
Allocation policy
Form 5500, as of Sep 30, 2025
Actual allocation lines without a target (as filed)
  • Interest-bearing cash 0.3%
  • Common/collective trusts 99.7%
Consultants and advisers
2 firms
People
No investment staff or executives have been read for this allocator yet.
Manager roster
2 managers on the commitment tape
From the plan’s own commitment disclosures
From Schedule C (investment management, code 28)
Commitments
18 rows, 0 dated closings
Disclosed holdings (from the plan’s performance or holdings report, as of the report date)
DateFundManagerBucketAmountVintageStatusSource
as of Sep 30, 2025Msci Acwi Ex USA Nl Fundcollective trustState Street Global Advisors TrustPooled vehicles$8.7M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2025Russell 2000 Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$4.6M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2025S&p 500 Flagship Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$17.9M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2025Ssga S&p Midcap 400 R Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$4.4M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 202520 Yr US High Quality Corp Bond Nlcollective trustState Street Global Advisors TrustFixed income$64.3M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 20255-20 Yr US High Quality Corp Bond Ncollective trustState Street Global Advisors TrustFixed income$66.1M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2024Msci Acwi Ex USA Nl Fundcollective trustState Street Global Advisors TrustPooled vehicles$7.9M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2024Russell 2000 Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$3.7M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2024S&p 500 Flagship Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$19.3M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2024Ssga S&p Midcap 400 R Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$4.3M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 202420 Yr US High Quality Corp Bond Nlcollective trustState Street Global Advisors TrustFixed income$61.7M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 20245-20 Yr US High Quality Corp Bond Ncollective trustState Street Global Advisors TrustFixed income$63.1M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2023Msci Acwi Ex USA Nl Fundcollective trustState Street Global Advisors TrustPooled vehicles$8.2M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2023Russell 2000 Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$3.8M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2023S&p 500 Flagship Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$18.5M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 2023Ssga S&p Midcap 400 R Index Nl Fundcollective trustState Street - Russell 2000Pooled vehicles$4.4M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 202320 Yr US High Quality Corp Bond Nlcollective trustState Street Global Advisors TrustFixed income$47.2M heldDisclosed holdingaskebsa.dol.gov
as of Sep 30, 20235-20 Yr US High Quality Corp Bond Ncollective trustState Street Global Advisors TrustFixed income$57.0M heldDisclosed holdingaskebsa.dol.gov
Size and funding
32 readings
Total assets
$167M Sep 30, 2025 reported Form 5500
$163M (2024-09) · $142M (2023-09)
Plan assets
$163M Oct 1, 2024 reported Form 5500
$142M (2023-10) · $139M (2022-10)
Net assets
$167M Sep 30, 2025 reported Form 5500
$163M (2024-09) · $142M (2023-09)
Funded ratio
100.7% Oct 1, 2024 reported Form 5500
100.7% (2023-10) · 102.9% (2022-10)
Funding target
$127M Oct 1, 2024 reported Form 5500
$132M (2023-10) · $126M (2022-10)
Discount rate
5.43% Oct 1, 2024 reported Form 5500
5.34% (2023-10) · 5.51% (2022-10)
Participants
825 Oct 1, 2024 reported Form 5500
839 (2023-10) · 852 (2022-10)
Contributions
$1.5M Sep 30, 2025 reported Form 5500
$1.0M (2024-09) · $0 (2023-09)
Benefits paid
$6.7M Sep 30, 2025 reported Form 5500
$6.6M (2024-09) · $6.4M (2023-09)
Net investment income
$3.7M Sep 30, 2025 reported Form 5500
$21.2M (2024-09) · $2.4M (2023-09)
Investment management fees
$126,025 Sep 30, 2024 reported Form 5500
$117,904 (2023-09)
Form 5500 filings
3 plan years
Plan yearParticipantsAssets (SB market)Funding targetFTAPTotal assets (H)Partnerships / JVMaster trustReal estate
2024 to Sep 30, 2025825$163M$127M100.7%$167Mn/an/an/a
2023 to Sep 30, 2024839$142M$132M100.7%$163Mn/an/an/a
2022 to Sep 30, 2023852$139M$126M102.9%$142Mn/an/an/a
Service providers and investment entities as filed (Schedule C and D, latest year first)
  • Pentegra Trust Company codes 21 $152,679 PY2024
  • State Street Global Advisors codes 28 $133,892 PY2024
  • Russell 2000 (r) Indx Nl Fund Sched. D C $4.6M PY2024
  • S&p 500 (r) Flagship Nl Fund Sched. D C $17.9M PY2024
  • Msci Acwi Ex USA Nl Fund Sched. D C $8.7M PY2024
  • S&p Midcap 400(r) Indx Nl Fund Sched. D C $4.4M PY2024
  • 20 Year U.S. High Quality Corp Bond Sched. D C $64.3M PY2024
  • 5-20 Year U.S. High Quality Corp Bd Sched. D C $66.1M PY2024
  • Pentegra Services Inc. codes 11 PY2024
  • Pentegra Trust Company codes 21 $145,543 PY2023
  • State Street Global Advisors codes 28 $126,025 PY2023
  • Russell 2000 (r) Indx Nl Fund Sched. D C $3.7M PY2023
  • Msci Acwi Ex USA Nl Fund Sched. D C $7.9M PY2023
  • S&p 500 (r) Flagship Nl Fund Sched. D C $19.3M PY2023
  • S&p Midcap 400(r) Indx Nl Fund Sched. D C $4.3M PY2023
  • 20 Year U.S. High Quality Corp Bond Sched. D C $61.7M PY2023
  • 5-20 Year U.S. High Quality Corp Bd Sched. D C $63.1M PY2023
  • Pentegra Services Inc. codes 11 PY2023
  • Pentegra Trust Company codes 19 24 $144,525 PY2022
  • State Street Global Advisors codes 28 $117,903 PY2022
  • 20 Year U.S. High Quality Corp Bond Sched. D C $47.2M PY2022
  • Msci Acwi Ex USA Nl Fund Sched. D C $8.2M PY2022
  • Russell 2000 (r) Indx Nl Fund Sched. D C $3.8M PY2022
  • 5-20 Year U.S. High Quality Corp Bd Sched. D C $57.0M PY2022
  • S&p 500 (r) Flagship Nl Fund Sched. D C $18.5M PY2022
  • S&p Midcap 400(r) Indx Nl Fund Sched. D C $4.4M PY2022
  • Pentegra Services Inc. codes 11 PY2022
What changed
3 events
  • Oct 1, 2024Assets changed
    The Retirement Plan of Ridgewood Savings Bank plan assets $142M -> $163M (+15.0%, 2023-10-01 to 2024-10-01)
    askebsa.dol.gov
  • Sep 30, 2024Assets changed
    The Retirement Plan of Ridgewood Savings Bank total assets $142M -> $163M (+15.0%, 2023-09-30 to 2024-09-30)
    askebsa.dol.gov
  • Oct 1, 2023Funded status changed
    The Retirement Plan of Ridgewood Savings Bank funded ratio 102.9% -> 100.7% (2022-10-01 to 2023-10-01)
    askebsa.dol.gov
Board record: approvals, recommendations, searches, terminations and re-up prospects for this system.
Provenance
Identifiers: EIN-PN 111241830-001
Cross-graph: no entry on another DFX graph
First observed Sep 15, 2026, last observed Sep 15, 2026. Classification confirmed. Every row above carries its source; a reported figure is the subject’s own, a derived one is arithmetic on reported figures, an estimated one is a model or a survey imputation and is never summed into a headline.