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Sponsor portfolio

TRUSTCO BANK

EIN 14-0578631-banking-Latest filing 2024
Plans
4
Retirement
2
$117.7M assets
Welfare
2
$2.5M premiums
Participants
3,661
3 SARNOWSKI DRIVE - GLENVILLE, NY 12302518-377-3311trustcobank.comLinkedIn501-1000 employeesbanking
Plans on this EIN
4 filings
#001TraditionalDB-$67.4M - 510 part#002401k-$50.3M - 1,341 part#570Fully Insured-$2.5M - 846 lives#501Self Funded-0 lives

Retirement portfolio analytics

2 plans aggregated / $117.7M assets / 1,851 participants

Assets by plan

Share of aggregate retirement assets

57%top
  • OF TRUSTCO BANK (#001)57%
  • BANK PROFIT SHARING/401(K) (#002)43%
Total $117.7MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
57%top
  • (Not disclosed)57%
  • MILLIMAN, INC.43%
Total $117.7MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • BANK PROFIT SHARING/401(K) (#002)1,341
  • OF TRUSTCO BANK (#001)510
Total 1,851Click row to drill in

Benefits portfolio analytics

2 plans / $2.5M premiums / 846 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$2.4M
  • Life$130K
  • Short-term disability$130K
  • Long-term disability$130K
  • Other$130K
  • Vision$30K
  • +1 more
Total $2.5M7 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
93%top
  • BLUE CROSS OF CALIFORNIA93%
  • METROPOLITAN LIFE INSURANCE COMPANY5%
  • ANTHEM LIFE INSURANCE COMPANY1%
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA1%
  • ESI EMPLOYEE ASSISTANCE GROUP0%
Total $2.5M5 slices

Broker market share

Schedule A broker compensation

Split broker
86%top
  • MARSHALL & STERLING EMPLOYEE BENEFI86%
  • FNA INSURANCE SERVICES INC14%
Total $132K2 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

RETIREMENT PLAN OF TRUSTCO BANK

TraditionalDB

Assets$67.4M
Participants510
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

TRUSTCO BANK PROFIT SHARING/401(K) PLAN

401k

Assets$50.3M
Participants1,341
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#570

TRUSTCO BANK GROUP BENEFITS PLAN

Fully Insured - HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC.

Premiums$2.5M
Covered lives846
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#501

TRUSTCO BANK EMPLOYEE BENEFITS TRUST

Self Funded

Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
001RETIREMENT PLAN OF TRUSTCO BANKTraditionalDB$67.4M5102024
002TRUSTCO BANK PROFIT SHARING/401(K) PLAN401k$50.3M1,3412024

Welfare plans2

Plan #NameFundingCarrierPremiumsCoveredLatest year
570TRUSTCO BANK GROUP BENEFITS PLANFully InsuredHIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC.$2.5M8462024
501TRUSTCO BANK EMPLOYEE BENEFITS TRUSTSelf Funded-$002024
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