Filings through .
2 of 17 flags tripped on the 2025 filing.
Low participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
High retiree %
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$85K in admin expenses, $140 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
12 funds hold $231M of the plan's $231M. Recordkeeper: not identified.
| Fund | Dollars | % of funds% |
|---|---|---|
| Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index | $69.7M | 30.2% |
| Shares Invesco Core Plus Fixe Invesco · Collective trust | $67.5M | 29.3% |
| MFS International Diversification Fund R6 MFS (Sun Life) · Mutual fund | $16.4M | 7.1% |
| Pioneer Strategic Income Fund: Class K Victory Capital · Mutual fund | $11.3M | 4.9% |
| Fidelity Small Cap Core Fidelity (FMR) · Mutual fund | $11.3M | 4.9% |
| Investco Oppen Senior Floating Rate Fund R6 Manager not matched · Mutual fund | $11.2M | 4.9% |
| Shares American Century Infl. American Century · Mutual fund | $11.1M | 4.8% |
| Vanguard Real Estate Index Fund Admiral Shares Vanguard · Mutual fund | $11.1M | 4.8% |
| Fidelity Emerging Markets Fund Fidelity Advisor Emerging Markets Fund: Class Z Fidelity (FMR) · Mutual fund | $7.0M | 3.0% |
| MFS Mid Cap Value Fund R6 MFS (Sun Life) · Mutual fund | $6.4M | 2.8% |
| Fund | Manager | Vehicle | Dollars | % of funds |
|---|---|---|---|---|
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro |
2 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.
Added 1 fund, dropped 1 fund, likely replaced 2 funds.
| Fund | Year-end value |
|---|---|
| ReplacedHighNomura Small Cap Core Fund Institutional Class to Fidelity Small Cap Core | $11.0M to $11.3M |
| AddedInvestco Oppen Senior Floating Rate Fund R6 | $11.2M |
| DroppedEaton Vance Floating-Rate Fund Class R6 | $10.3M |
Stable value and insurance contract lines, renames and class changes are not counted. Left out here: 2 renames.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.
2 more lines and 1 more change in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 1 by compensation.
| Provider | Compensation |
|---|---|
TRUSTCO BANK11+ years Service code 28 · EIN 14-6087405 Investment Management | $82,143 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
1 feature code on the 2025 filing.
1 actuary attachment on this filing.
| Actuary | Schedule | Enrollment number |
|---|---|---|
Michael J. Costanza, FSA, Ea, Maaa Bpas Actuarial & Pension Services Schedule SB | Schedule SB |
Enrollment number, address and phone for each actuary are on Pro.
Addresses, phones and enrollment numbers are on Pro. Pro is free for 7 days and then costs $49 a month.
5 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025