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  2. The Canandaigua National Bank and Trust Company
  • Retirement analytics
  • Benefits analytics
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  • Retirement plans
  • Health & Benefits plans

Filings through Oct 24, 2026.

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The Canandaigua National Bank and Trust Company

EIN 16-0373410-financial services-Latest filing 2025
Plans
6
Retirement
2
$169.8M assets
Health & Benefits
4
$1.2M premiums
Participants
2,156
1150 PITTSFORD-VICTOR ROAD - PITTSFORD, NY 14534585-394-4260cnbank.comLinkedIn501-1000 employeesfinancial services
Plans on this EIN
6 filings
#001401(k)-$161.1M - 761 part#002ESOP-$8.7M - 774 part#502Fully insured-$872K - 687 lives#504Fully insured-$244K - 611 lives#505Fully insured-$105K - 611 lives#501Self-funded-0 lives

Health & Benefits portfolio - carriers, brokers and premium across this company's 4 health and benefits plans.

Retirement portfolio analytics

2 plans aggregated / $169.8M assets / 1,535 participants

Assets by plan

Share of aggregate retirement assets

  • SHARING AND 401(K) (#001)$161.1M
  • EMPLOYEE STOCK OWNERSHIP (#002)$8.7M
Total $169.8MSelect a row to open it

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
  • EPIC RETIREMENT PLAN SERVICES$161.1M
  • (Not disclosed)$8.7M
Total $169.8MSelect a row to open it

Participants by plan

Active + retired + deferred vested

  • EMPLOYEE STOCK OWNERSHIP (#002)774
  • SHARING AND 401(K) (#001)761
Total 1,535Select a row to open it

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
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Plan summaries

Each card links to its plan page. The plan page shows fees vs peers, audit grade, history and counterparties.

Retirement#001

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

401(k)

Assets$161.1M
Participants761
On the plan page
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan
Retirement#002

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN

ESOP

Assets$8.7M
Participants774
On the plan page
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan
Health & Benefits#502

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY HEALTH CARE PLAN

Fully insured - GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Premiums$872K
Covered lives687
On the plan page
Premium breakdownCarriersBrokersCoverage stats
Open plan
Health & Benefits#504

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LIFE INSURANCE PLAN

Fully insured - SUN LIFE AND HEALTH INSURANCE COMPANY

Premiums$244K
Covered lives611
On the plan page
Premium breakdownCarriersBrokersCoverage stats
Open plan
Health & Benefits#505

CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LONG TERM DISABILITY INSURANCE PLAN

Fully insured - SUN LIFE AND HEALTH INSURANCE COMPANY

Premiums$105K
Covered lives611
On the plan page
Premium breakdownCarriersBrokersCoverage stats
Open plan
Health & Benefits#501

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY FLEX BENEFIT PLAN

Self-funded

Premiums$0
Covered lives0
On the plan page
Premium breakdownCarriersBrokersCoverage stats
Open plan

Retirement plans

2 plans on this EIN

PlanNameTypeAssetsParticipantsLatest year
#001THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY PROFIT SHARING AND 401(K) PLAN401(k)$161.1M7612025
#002THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLANESOP$8.7M7742025
  • THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY PROFIT SHARING AND 401(K) PLAN$161.1M
    #001 · 401(k) · 2025761
  • THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN$8.7M
    #002 · ESOP · 2025774

Health & Benefits plans

4 plans on this EIN

PlanNameFundingCarrierPremiumsCoveredLatest 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
  • THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY HEALTH CARE PLAN$872K
    #502 · Fully insured · GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · 2025687
  • THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LIFE INSURANCE PLAN$244K
    #504 · Fully insured · SUN LIFE AND HEALTH INSURANCE COMPANY · 2024611
  • CANANDAIGUA NATIONAL BANK AND TRUST COMPANY LONG TERM DISABILITY INSURANCE PLAN$105K
    #505 · Fully insured · SUN LIFE AND HEALTH INSURANCE COMPANY · 2024611
  • THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY FLEX BENEFIT PLAN$0
    #501 · Self-funded · 20240
Retirement plans
Health & Benefits plans

On this page

  1. Retirement analytics
  2. Benefits analytics
  3. Plan summaries
  4. Retirement plans
  5. Health & Benefits plans
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