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  2. COMMUNITY FINANCIAL SYSTEM, INC.
Sponsor portfolioTH

COMMUNITY FINANCIAL SYSTEM, INC.

EIN 16-1213679-financial services-Latest filing 2024
Plans
3
Retirement
2
$747.2M assets
Welfare
1
$3.5M premiums
Participants
10,626
5790 WIDEWATERS PKWY - DEWITT, NY 132141850315-991-3692communityfinancialsystem.comLinkedIn1001-5000 employeesfinancial services
Plans on this EIN
3 filings
#002ESOP-$474.2M - 3,729 part#001TraditionalDB-$273.0M - 3,863 part#505Mixed-$3.5M - 4,400 lives

Retirement portfolio analytics

2 plans aggregated / $747.2M assets / 7,592 participants

Assets by plan

Share of aggregate retirement assets

63%top
  • EMPLOYEE STOCK OWNERSHIP (#002)63%
  • SYSTEM, INC. PENSION (#001)37%
Total $747.2MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
63%top
  • BENEFIT PLANS ADMIN SERVICES, INC.63%
  • (Not disclosed)37%
Total $747.2MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • SYSTEM, INC. PENSION (#001)3,863
  • EMPLOYEE STOCK OWNERSHIP (#002)3,729
Total 7,592Click row to drill in

Benefits portfolio analytics

1 plan / $3.5M premiums / 4,400 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Short-term disability$2.4M
  • Long-term disability$2.4M
  • Life$1.1M
  • Other$1.1M
Total $3.5M4 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
68%top
  • RELIANCE STANDARD LIFE INSURANCE COMPANY68%
  • HARTFORD LIFE AND ACCIDENT32%
Total $3.5M2 slices

Broker market share

Schedule A broker compensation

Split broker
65%top
  • JAMES R NELLIGAN & ASSOCIATES LLC65%
  • THE JAMES B OSWALD COMPANY28%
  • ONEGROUP NY INC7%
Total $241K3 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

COMMUNITY FINANCIAL SYSTEM, INC 401K EMPLOYEE STOCK OWNERSHIP PLAN

ESOP

Assets$474.2M
Participants3,729
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001

COMMUNITY FINANCIAL SYSTEM, INC. PENSION PLAN

TraditionalDB

Assets$273.0M
Participants3,863
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#505

COMMUNITY FINANCIAL SYSTEM, INC. HEALTH AND WELFARE BENEFITS PLAN

Mixed - FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY

Premiums$3.5M
Covered lives4,400
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
002COMMUNITY FINANCIAL SYSTEM, INC 401K EMPLOYEE STOCK OWNERSHIP PLANESOP$474.2M3,7292024
001COMMUNITY FINANCIAL SYSTEM, INC. PENSION PLANTraditionalDB$273.0M3,8632024

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
505COMMUNITY FINANCIAL SYSTEM, INC. HEALTH AND WELFARE BENEFITS PLANMixedFIRST RELIANCE STANDARD LIFE INSURANCE COMPANY$3.5M4,4002024
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