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Sponsor portfolio

ARROW FINANCIAL CORPORATION

EIN 22-2448962-financial services-Latest filing 2025
Plans
6
Retirement
3
$137.0M assets
Welfare
3
$5.8M premiums
Participants
3,477
250 GLEN STREET - GLENS FALLS, NY 12801518-793-4121arrowfinancial.comLinkedIn501-1000 employeesfinancial services
Plans on this EIN
6 filings
#001CashBalance-$63.9M - 834 part#003401k-$45.2M - 867 part#002ESOP-$27.9M - 609 part#508Fully Insured-$5.8M - 657 lives#503Self Funded-0 lives#504Self Funded-0 lives

Retirement portfolio analytics

3 plans aggregated / $137.0M assets / 2,310 participants

Assets by plan

Share of aggregate retirement assets

47%top
  • PLAN AND TRUST (#001)47%
  • PROFIT SHARING 401(K) (#003)33%
  • EMPLOYEE STOCK OWNERSHIP (#002)20%
Total $137.0MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
67%top
  • (Not disclosed)67%
  • EPIC RETIREMENT PLAN SERVICES33%
Total $137.0MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • PROFIT SHARING 401(K) (#003)867
  • PLAN AND TRUST (#001)834
  • EMPLOYEE STOCK OWNERSHIP (#002)609
Total 2,310Click row to drill in

Benefits portfolio analytics

3 plans / $5.8M premiums / 657 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$5.8M
  • Prescription drug$5.8M
  • Other$5.3M
  • Vision$40K
Total $5.8M4 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
91%top
  • CAPITAL DISTRICT PHYSICANS HEALTH PLAN91%
  • CAPITALL DISTRICT PHYSICANS HEALTH PLAN6%
  • BLUE CROSS OF CALIFORNIA2%
  • ANTHEM LIFE INSURANCE COMPANY1%
Total $5.8M4 slices

Broker market share

Schedule A broker compensation

Single broker
100%top
  • UPSTATE AGENCY, LLC100%
Total $213K1 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

ARROW FINANCIAL CORPORATION EMPLOYEES' PENSION PLAN AND TRUST

CashBalance

Assets$63.9M
Participants834
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#003

ARROW FINANCIAL CORPORATION PROFIT SHARING 401(K) PLAN

401k

Assets$45.2M
Participants867
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

ARROW FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

ESOP

Assets$27.9M
Participants609
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#508

ARROW FINANCIAL CORPORATION MEDICAL INSURANCE PLAN

Fully Insured - CAPITAL DISTRICT PHYSICANS HEALTH PLAN

Premiums$5.8M
Covered lives657
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#503

ARROW FINANCIAL CORPORATION FLEXIBLE SPENDING ACCOUNT

Self Funded

Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#504

ARROW FINANCIAL CORPORATION DENTAL BENEFIT PLAN

Self Funded

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

Retirement plans3

Plan #NameTypeAssetsParticipantsLatest year
001ARROW FINANCIAL CORPORATION EMPLOYEES' PENSION PLAN AND TRUSTCashBalance$63.9M8342024
003ARROW FINANCIAL CORPORATION PROFIT SHARING 401(K) PLAN401k$45.2M8672025
002ARROW FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLANESOP$27.9M6092024

Welfare plans3

Plan #NameFundingCarrierPremiumsCoveredLatest year
508ARROW FINANCIAL CORPORATION MEDICAL INSURANCE PLANFully InsuredCAPITAL DISTRICT PHYSICANS HEALTH PLAN$5.8M6572025
503ARROW FINANCIAL CORPORATION FLEXIBLE SPENDING ACCOUNTSelf Funded-$002025
504ARROW FINANCIAL CORPORATION DENTAL BENEFIT PLANSelf Funded-$002025
Retirement plans
Welfare plans
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