Original filing (PDF)20250701085245NAL0029165794001

BALLSTON SPA NATIONAL BANK

Name: BALLSTON SPA NATIONAL BANK — BALLSTON SPA NATIONAL BANK SUPPLEMENTAL RETIREMENT SAVINGS PLAN, Form 5500 (2024)
Creator: BALLSTON SPA NATIONAL BANK

Form 5500

FILING_RECEIVED

BALLSTON SPA NATIONAL BANK SUPPLEMENTAL RETIREMENT SAVINGS PLAN

401(k) retirement plan

Active participants

136

Accounts w/ balance

168

Plan assets (EOY)

$19.8M

Net assets (EOY)

$19.8M

How this plan invests

This plan

33 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

/ 100

Grade A

Top-tier plan health

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

100

Plan health

Vendor & structure

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BALLSTON SPA NATIONAL BANK.

Plan sponsor

Name

BALLSTON SPA NATIONAL BANK

EIN

14-0486153

Address

990 STATE ROUTE 67 · BALLSTON SPA, NY · 12020

Phone

(518) 885-6781

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-07-01

Pension benefit codes

2T · Default investment account (QDIA)

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2E · Profit-sharing

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	-$16K	—

Investments

33 direct securities· $19.2M(97% of reported assets)

Other securities

$16.5M

32 holdings

Cash / Money Market

$2.7M

1 holding

					% of plan
FIDELITY FREEDOM 2030 K FUND MUTUAL FUND	Other securities	—	—	$3.5M	17.5%
FIDELITY GOVERNMENT MONEY MARKET FUND MUTUAL FUND	Cash / Money Market	—	—	$2.7M	13.8%
FIDELITY CONTRAFUND MUTUAL FUND	Other securities	—	—	$2.3M	11.5%
FIDELITY FREEDOM 2035 K FUND MUTUAL FUND	Other securities	—	—	$1.2M	6.1%
FIDELITY FREEDOM 2020 K FUND MUTUAL FUND	Other securities	—	—	$979K	4.9%
FIDELITY FREEDOM 2050 K FUND MUTUAL FUND	Other securities	—	—	$896K	4.5%
FIDELITY FREEDOM 2025 K FUND MUTUAL FUND	Other securities	—	—	$893K	4.5%
FIDELITY 500 INDEX FUND MUTUAL FUND	Other securities	—	—	$854K	4.3%
FIDELITY FREEDOM 2045 K FUND MUTUAL FUND	Other securities	—	—	$752K	3.8%
FIDELITY BALANCED K6 FUND MUTUAL FUND	Other securities	—	—	$736K	3.7%
FIDELITY FREEDOM 2040 K FUND MUTUAL FUND	Other securities	—	—	$684K	3.5%
MFS MASSACHUSETTS INVESTORS TRUST CLASS R3 MUTUAL FUND	Other securities	—	—	$668K	3.4%
FIDELITY FREEDOM 2055 K FUND MUTUAL FUND	Other securities	—	—	$419K	2.1%
FIDELITY FREEDOM 2060 K FUND MUTUAL FUND	Other securities	—	—	$299K	1.5%
FIDELITY EXTENDED MARKET INDEX FUND MUTUAL FUND	Other securities	—	—	$257K	1.3%
MFS VALUE FUND CLASS R3 MUTUAL FUND	Other securities	—	—	$233K	1.2%
INVESCO EQV INTERNATIONAL EQUITY FUND R5 CLASS MUTUAL FUND	Other securities	—	—	$188K	1.0%
JP MORGAN MID CAP VALUE FUND CLASS A MUTUAL FUND	Other securities	—	—	$185K	0.9%
FIDELITY LOW-PRICED STOCK FUND MUTUAL FUND	Other securities	—	—	$184K	0.9%
JANUS HENDERSON ENTERPRISE FUND CLASS T MUTUAL FUND	Other securities	—	—	$174K	0.9%
INVESCO DEVELOPING MARKETS FUND CLASS R6 MUTUAL FUND	Other securities	—	—	$164K	0.8%
FIDELITY GOVERNMENT INCOME FUND MUTUAL FUND	Other securities	—	—	$163K	0.8%
BARON SMALL CAP FUND MUTUAL FUND	Other securities	—	—	$148K	0.7%
PIMCO TOTAL RETURN FUND MUTUAL FUND	Other securities	—	—	$137K	0.7%
FIDELITY UNITED STATES BOND INDEX FUND MUTUAL FUND	Other securities	—	—	$135K	0.7%
FIDELITY FREEDOM 2065 K FUND MUTUAL FUND	Other securities	—	—	$120K	0.6%
FIDELITY SMALL CAP INDEX FUND MUTUAL FUND	Other securities	—	—	$91K	0.5%
FIDELITY INTERNATIONAL INDEX FUND MUTUAL FUND	Other securities	—	—	$52K	0.3%
FIDELITY FREEDOM 2015 K FUND MUTUAL FUND	Other securities	—	—	$47K	0.2%
FIDELITY SMALL CAP INDEX FUND MUTUAL FUND	Other securities	—	—	$38K	0.2%
FIDELITY FREEDOM 2010 K FUND MUTUAL FUND	Other securities	—	—	$34K	0.2%
FIDELITY INFLATION-PROTECTED BOND INDEX FUND MUTUAL FUND	Other securities	—	—	$32K	0.2%
FIDELITY FREEDOM INCOME K FUND MUTUAL FUND	Other securities	—	—	$2K	<0.1%