Assets by plan
Share of aggregate retirement assets
Sponsor portfolioTH
PATHFINDER BANK
EIN 15-0408130bankingLatest filing 2025
Plans
4
Retirement
3
$46.0M assets
Welfare
1
$162K premiums
Participants
768
214 WEST FIRST STREET - OSWEGO, NY 13126315-343-0057pathfinderbank.comLinkedIn51-200 employeesbanking
Retirement portfolio analytics
3 plans aggregated / $46.0M assets / 638 participantsParticipants by plan
Active + retired + deferred vested
Benefits portfolio analytics
1 plan / $162K premiums / 249 covered livesCoverage by line
Premium dollars by benefit type (bundled lines overlap)
- Life$143K
- Short-term disability$143K
- Long-term disability$143K
- Other$143K
- Vision$19K
Carrier market share
Premium dollars by Schedule A carrier
88%top
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA88%
- UNITEDHEALTHCARE INSURANCE COMPANY12%
Broker market share
Schedule A broker compensation
100%top
- NORTH REID HOLDINGS LLC100%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#002
PATHFINDER BANK 401(K) SAVINGS PLAN
401k
Assets$21.2M
Participants299
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001
THE RETIREMENT PLAN OF PATHFINDER BANK
TraditionalDB
Assets$18.7M
Participants122
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#003
PATHFINDER BANK EMPLOYEE STOCK OWNERSHIP PLAN
ESOP
Assets$6.1M
Participants217
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501
PATHFINDER BANK WELFARE BENEFIT PLAN
Mixed - THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Premiums$162K
Covered lives249
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans3
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 002 | PATHFINDER BANK 401(K) SAVINGS PLAN | 401k | $21.2M | 299 | 2025 | |
| 001 | THE RETIREMENT PLAN OF PATHFINDER BANK | TraditionalDB | $18.7M | 122 | 2025 | |
| 003 | PATHFINDER BANK EMPLOYEE STOCK OWNERSHIP PLAN | ESOP | $6.1M | 217 | 2024 |
Welfare plans1
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 501 | PATHFINDER BANK WELFARE BENEFIT PLAN | Mixed | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $162K | 249 | 2025 |
Retirement plans
Welfare plans