" SBERA has a unique structure that allows us to provide both fiduciary oversight and superior investment performance results. Over the past twenty years the Defined Benefit Pension Plan’s annual return has exceeded 10%, in large part due to the careful, prudent oversight of the Investment Committee and our outside consultants, NEPC. To relieve the ever-increasing fiduciary burden of Plan Sponsors, SBERA takes full responsibility for the safekeeping, custody, administration, accounting and investments of our Members’ Plans. " Gerard H. Brandi Chairman, President & CEO MASSBANK