Pathfinder Bank 401(k) match, vesting and fees
What Pathfinder Bank'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 | Empower Life & Annuity | Schedule C ↗ |
| Independent auditor | Bonadio & Company, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Pathfinder Bank: employer contribution per participant | $3,127 | |
| Peer median | $3,122 |
| Pathfinder Bank: average balance | $73,481 | |
| Peer median | $111,687 |
| Pathfinder Bank: admin expenses ÷ assets | 0.30% | |
| Peer median | 0.20% |
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 $20.6M at the end of plan year 2021 to $21.2M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 299 | $21.2M | $904K | $3,127 | 0.30% | Not published | Form 5500 ↗ |
| 2024 | 328 | $20.5M | $886K | $3,067 | 0.29% | Not published | Form 5500 ↗ |
| 2023 | 248 | $20.4M | $817K | $3,348 | 0.31% | Not published | Form 5500 ↗ |
| 2022 | 220 | $18.4M | $770K | $3,548 | — | Not published | Form 5500 ↗ |
| 2021 | 183 | $20.6M | $728K | $4,067 | — | Not published | Form 5500 ↗ |
Other Pathfinder Bank plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Pathfinder Bank Employee Stock Ownership 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 | Bonadio & Co., LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
The Retirement Plan of Pathfinder Bank
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 | Bonadio & Co., LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Common questions
Does Pathfinder Bank match 401(k) contributions?
The match terms for the Pathfinder Bank 401(k) Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $904K in employer contributions, about $3,127 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Pathfinder Bank 401(k) match vested?
The vesting schedule for the Pathfinder Bank 401(k) Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Pathfinder Bank 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Life & Annuity. The plan administrator is Pathfinder Bank.
I left Pathfinder Bank. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Pathfinder Bank, (315) 343-0057) or the recordkeeper, Empower Life & Annuity. The Pathfinder Bank old 401(k) page lists the contacts from every plan filing. Find an old Pathfinder Bank 401(k)
Data from the public Form 5500 annual reports Pathfinder Bank 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 Pathfinder Bank. Not financial advice. Report a correction · Methodology