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Sponsor portfolioTH

COMMUNITY FINANCIAL SYSTEM, INC

EIN 16-1213679-financial services-Latest filing 2025
Plans
3
Retirement
2
$782.4M assets
Welfare
1
$4.0M premiums
Participants
10,804
333 BUTTERNUT DRIVE - SYRACUSE, NY 13214315-991-3692communityfinancialsystem.comLinkedIn1001-5000 employeesfinancial services
Plans on this EIN
3 filings
#002ESOP-$509.3M - 3,799 part#001TraditionalDB-$273.0M - 3,863 part#505Mixed-$4.0M - 3,071 lives

Retirement portfolio analytics

2 plans aggregated / $782.4M assets / 7,662 participants

Assets by plan

Share of aggregate retirement assets

65%top
  • EMPLOYEE STOCK OWNERSHIP (#002)65%
  • SYSTEM, INC. PENSION (#001)35%
Total $782.4MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
65%top
  • BENEFIT PLANS ADMIN SERVICES, INC.65%
  • (Not disclosed)35%
Total $782.4MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • SYSTEM, INC. PENSION (#001)3,863
  • EMPLOYEE STOCK OWNERSHIP (#002)3,799
Total 7,662Click row to drill in

Benefits portfolio analytics

1 plan / $4.0M premiums / 3,071 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Short-term disability$2.8M
  • Long-term disability$2.7M
  • Life$1.2M
  • Other$1.2M
Total $4.0M4 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
70%top
  • RELIANCE STANDARD LIFE INSURANCE COMPANY70%
  • HARTFORD LIFE AND ACCIDENT30%
Total $4.0M2 slices

Broker market share

Schedule A broker compensation

Split broker
82%top
  • JAMES R NELLIGAN & ASSOCIATES LLC82%
  • NATIONAL BENEFIT CENTER10%
  • ONEGROUP NY INC8%
  • BENEFIT ADVISORS NETWORK LLC0%
Total $256K4 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$509.3M
Participants3,799
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$4.0M
Covered lives3,071
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$509.3M3,7992025
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$4.0M3,0712025
Retirement plans
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