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Sponsor portfolioTH

FINANCIAL INSTITUTIONS, INC.

EIN 16-0816610-Finance and Insurance-Latest filing 2025
Plans
3
Retirement
2
$148.4M assets
Welfare
1
$330K premiums
Participants
2,611
220 LIBERTY STREET - WARSAW, NY 14569585-786-1100
Plans on this EIN
3 filings
#002401k-$80.7M - 861 part#001CashBalance-$67.7M - 1,163 part#504Mixed-$330K - 585 lives

Retirement portfolio analytics

2 plans aggregated / $148.4M assets / 2,024 participants

Assets by plan

Share of aggregate retirement assets

54%top
  • INSTITUTIONS, INC. 401(K) (#002)54%
  • BANKERS RETIREMENT SYSTEM (#001)46%
Total $148.4MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
54%top
  • THE VANGUARD GROUP, INC.54%
  • (Not disclosed)46%
Total $148.4MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • BANKERS RETIREMENT SYSTEM (#001)1,163
  • INSTITUTIONS, INC. 401(K) (#002)861
Total 2,024Click row to drill in

Benefits portfolio analytics

1 plan / $330K premiums / 585 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Life$285K
  • Long-term disability$285K
  • Other$285K
  • Vision$44K
Total $330K4 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
87%top
  • SUN LIFE ASSURANCE COMPANY OF CANADA87%
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA13%
Total $330K2 slices

Broker market share

Schedule A broker compensation

Split broker
86%top
  • MERCER HEALTH AND BENEFITS, LLC86%
  • CONSILIARIUM GROUP LLC14%
Total $17K2 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#002

FINANCIAL INSTITUTIONS, INC. 401(K) PLAN

401k

Assets$80.7M
Participants861
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001

FINANCIAL INSTITUTIONS, INC. PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEM

CashBalance

Assets$67.7M
Participants1,163
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#504

FINANCIAL INSTITUTIONS INC. HEALTH AND WELFARE BENEFIT PLAN

Mixed - SUN LIFE AND HEALTH INSURANCE COMPANY

Premiums$330K
Covered lives585
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
002FINANCIAL INSTITUTIONS, INC. 401(K) PLAN401k$80.7M8612025
001FINANCIAL INSTITUTIONS, INC. PENSION PLAN AS A MEMBER OF THE NEW YORK STATE BANKERS RETIREMENT SYSTEMCashBalance$67.7M1,1632025

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
504FINANCIAL INSTITUTIONS INC. HEALTH AND WELFARE BENEFIT PLANMixedSUN LIFE AND HEALTH INSURANCE COMPANY$330K5852024
Retirement plans
Welfare plans
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