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Sponsor portfolioTH

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY

EIN 16-0373410-financial services-Latest filing 2025
Plans
6
Retirement
2
$149.6M assets
Welfare
4
$1.2M premiums
Participants
2,218
72 SOUTH MAIN STREET - CANANDAIGUA, NY 14424585-419-0670cnbank.comLinkedIn501-1000 employeesfinancial services
Plans on this EIN
6 filings
#001401k-$141.5M - 772 part#002ESOP-$8.1M - 825 part#502Fully Insured-$872K - 687 lives#504Fully Insured-$244K - 611 lives#505Fully Insured-$105K - 611 lives#501Self Funded-0 lives

Retirement portfolio analytics

2 plans aggregated / $149.6M assets / 1,597 participants

Assets by plan

Share of aggregate retirement assets

95%top
  • SHARING AND 401(K) (#001)95%
  • EMPLOYEE STOCK OWNERSHIP (#002)5%
Total $149.6MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
95%top
  • EPIC RETIREMENT PLAN SERVICES95%
  • (Not disclosed)5%
Total $149.6MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • EMPLOYEE STOCK OWNERSHIP (#002)825
  • SHARING AND 401(K) (#001)772
Total 1,597Click row to drill in

Benefits portfolio analytics

4 plans / $1.2M premiums / 1,909 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Other$634K
  • Life$334K
  • Long-term disability$334K
  • Dental$300K
  • Vision$300K
  • Short-term disability$238K
Total $872K6 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
62%top
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA62%
  • SUN LIFE ASSURANCE COMPANY OF CANADA38%
Total $872K2 slices

Broker market share

Schedule A broker compensation

Single broker
100%top
  • ASSUREDPARTNERS100%
Total $59K1 slice

Plan deep-dives

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

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY PROFIT SHARING AND 401(K) PLAN

401k

Assets$141.5M
Participants772
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN

ESOP

Assets$8.1M
Participants825
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#502

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY HEALTH CARE PLAN

Fully Insured - GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Premiums$872K
Covered lives687
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#504

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LIFE INSURANCE PLAN

Fully Insured - SUN LIFE AND HEALTH INSURANCE COMPANY

Premiums$244K
Covered lives611
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#505

CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LONG TERM DISABILITY INSURANCE PLAN

Fully Insured - SUN LIFE AND HEALTH INSURANCE COMPANY

Premiums$105K
Covered lives611
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#501

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY FLEX BENEFIT PLAN

Self Funded

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

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
001THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY PROFIT SHARING AND 401(K) PLAN401k$141.5M7722024
002THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLANESOP$8.1M8252024

Welfare plans4

Plan #NameFundingCarrierPremiumsCoveredLatest year
502THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY HEALTH CARE PLANFully InsuredGUARDIAN LIFE INSURANCE COMPANY OF AMERICA$872K6872025
504THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LIFE INSURANCE PLANFully InsuredSUN LIFE AND HEALTH INSURANCE COMPANY$244K6112024
505CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LONG TERM DISABILITY INSURANCE PLANFully InsuredSUN LIFE AND HEALTH INSURANCE COMPANY$105K6112024
501THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY FLEX BENEFIT PLANSelf Funded-$002024
Retirement plans
Welfare plans
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