Community Financial System 401(k) match, vesting and fees
What Community Financial System's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Benefit Plans Admin Services, Inc. | Schedule C ↗ |
| Independent auditor | Dannible & Mckee, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 214 defined-contribution plans in finance and insurance with 1,000 to 4,999 participants.
| Community Financial System: employer contribution per participant | $2,898 | |
| Peer median | $3,266 |
| Community Financial System: average balance | $145,733 | |
| Peer median | $137,177 |
| Community Financial System: admin expenses ÷ assets | 0.02% | |
| Peer median | 0.08% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $449M at the end of plan year 2021 to $509M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 3,799 | $509M | $10.1M | $2,898 | 0.02% | Not published | Form 5500 ↗ |
| 2024 | 3,729 | $474M | $9.8M | $2,812 | 0.02% | Not published | Form 5500 ↗ |
| 2023 | 3,795 | $416M | $9.1M | $2,527 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 3,900 | $379M | $8M | $2,244 | 0.02% | Not published | Form 5500 ↗ |
| 2021 | 3,652 | $449M | $7.4M | $2,177 | 0.02% | Not published | Form 5500 ↗ |
Other Community Financial System plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Community Financial System, Inc. Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Dannible & Mckee, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Community Financial System match 401(k) contributions?
The match terms for the Community Financial System, Inc 401k Employee Stock Ownership Plan have not been published from its filing yet. The plan year 2025 filing reports $10.1M in employer contributions, about $2,898 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Community Financial System 401(k) match vested?
The vesting schedule for the Community Financial System, Inc 401k Employee Stock Ownership Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Community Financial System 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Benefit Plans Admin Services, Inc.. The plan administrator is Community Financial System, Inc.
I left Community Financial System. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Community Financial System, Inc, (315) 991-3692) or the recordkeeper, Benefit Plans Admin Services, Inc.. The Community Financial System old 401(k) page lists the contacts from every plan filing. Find an old Community Financial System 401(k)
Data from the public Form 5500 annual reports Community Financial System filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Community Financial System. Not financial advice. Report a correction · Methodology