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Original filing (PDF)20250728180735NAL0005550562001
PATHFINDER BANK
Form 5500
FILING_RECEIVED
PATHFINDER BANK 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 2
16% employer stockNo recordkeeper disclosed
Active participants
271
Accounts w/ balance
289
Plan assets (EOY)
$20.5M
Net assets (EOY)
$20.5M
How this plan invests
This plan
1 pooled trust
Schedule D
55 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
88
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- 16% of plan in employer / sponsor stock.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (17 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PATHFINDER BANK.
Plan sponsor
Name
PATHFINDER BANK
EIN
15-0408130
Address
214 WEST FIRST STREET · OSWEGO, NY · 13126
Phone
(315) 343-0057
Industry
Commercial Banking· 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
2025-07-28
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
BONADIO & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BLUE WATER CAPITAL MGMT INC | — | SYRACUSE, NY | INVESTMENT ADVISOR | $26K | — |
TPA / Administrator
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLANS ADMINSTRATIVE SERVICE | 16-1616474 | UTICA, NY | CONTRACT ADMIN | $8K | — |
| LIFETIME BENEFITS SOLUTIONS | 16-1170765 | SYRACUSE, NY | CONTRACT ADMIN | $1K | — |
| EMPOWER LIFE & ANNUITY | — | GREENWOOD VILLAGE, CO | TPA PMT | $0 | — |
Investments
54 direct securities · 1 pooled fund· $20.5M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$20.0M
54 holdings
Common Collective Trust
$447K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Pathfinder Bancorp, Inc. Common stock | — | — | — | $2.5M | 12.1% | |
| Fidelity 500 Index Mutual Funds | — | — | — | $2.0M | 9.6% | |
| American Funds American Mutual R6 Mutual Funds | — | — | — | $1.8M | 8.8% | |
| Franklin DynaTech R6 Mutual Funds | — | — | — | $1.6M | 7.6% | |
| State Street Target Retirement 2030 K Mutual Funds | — | — | — | $1.2M | 5.8% | |
| State Street Target Retirement 2045 K Mutual Funds | — | — | — | $1.2M | 5.6% | |
| Fidelity Mid Cap Index Mutual Funds | — | — | — | $764K | 3.7% | |
| American Funds Bond Fund of Amer R6 Mutual Funds | — | — | — | $682K | 3.3% | |
| ClearBridge Select IS Mutual Funds | — | — | — | $588K | 2.9% | |
| State Street Target Retirement 2050 K Mutual Funds | — | — | — | $583K | 2.8% | |
| State Street Target Retirement 2055 K Mutual Funds | — | — | — | $579K | 2.8% | |
| American Funds New World R6 Mutual Funds | — | — | — | $564K | 2.7% | |
| Fidelity Small Cap Index Mutual Funds | — | — | — | $488K | 2.4% | |
| EI Fixed Account Fixed Annuity | — | — | — | $458K | 2.2% | |
| State Street Target Retirement 2025 K Mutual Funds | — | — | — | $458K | 2.2% | |
| STATE STREET US BOND IND NON-LEND K STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 462 | Common Collective Trust | — | — | $447K | 2.2% | |
| Notes receivable from participants 4.25% - 9.5% | — | — | — | $442K | 2.2% | |
| Fidelity Advisor Intl Small Cap Z Mutual Funds | — | — | — | $415K | 2.0% | |
| PGIM QMA International Equity R6 Mutual Funds | — | — | — | $366K | 1.8% | |
| Apple Inc Common stock | — | — | — | $280K | 1.4% | |
| Janus Henderson Contrarian N Mutual Funds | — | — | — | $268K | 1.3% | |
| Lord Abbett Bond Debenture R6 Mutual Funds | — | — | — | $253K | 1.2% | |
| Fidelity Advisor Small Cap Value Z Mutual Funds | — | — | — | $247K | 1.2% | |
| State Street Target Retirement K Mutual Funds | — | — | — | $243K | 1.2% | |
| Walt Disney Common stock ** 785 Schwab Money Market Portfolio Money Market Fund | — | — | — | $230K | 1.1% | |
| Franklin Intl Growth R6 Mutual Funds | — | — | — | $214K | 1.0% | |
| State Street Target Retirement 2040 K Mutual Funds | — | — | — | $200K | 1.0% | |
| BlackRock High Yield Bond Portfolio K Mutual Funds | — | — | — | $171K | 0.8% | |
| Lord Abbett Developing Growth R6 Mutual Funds | — | — | — | $166K | 0.8% | |
| PGIM US Real Estate R6 Mutual Funds | — | — | — | $159K | 0.8% | |
| PIMCO Int Bond (USD-Hedged) Inst Mutual Funds ** 923 State Street Global Eq ex-US Index K Mutual Funds | — | — | — | $138K | 0.7% | |
| State Street Target Retirement 2065 K Mutual Funds | — | — | — | $111K | 0.5% | |
| Western Asset Core Bond IS Mutual Funds | — | — | — | $110K | 0.5% | |
| JPMorgan Hedged Equity 2 R6 Mutual Funds | — | — | — | $110K | 0.5% | |
| State Street Target Retirement 2020 K Mutual Funds | — | — | — | $95K | 0.5% | |
| State Street Target Retirement 2035 K Mutual Funds | — | — | — | $92K | 0.4% | |
| American Funds Emerging Markets BD R6 Mutual Funds | — | — | — | $77K | 0.4% | |
| State Street Target Retirement 2060 K Mutual Funds | — | — | — | $73K | 0.4% | |
| Meta Platforms Inc A Common stock ** 18 Microsoft Corp Common stock ** 65 Novo-Nordisk Preferred stock ** 86 NVIDIA Corp Common stock | — | — | — | $70K | 0.3% | |
| Ascent Solar Technologies Inc Common stock ** 3 Ballard Power Systems Inc Common stock ** 208 The Blackstone Group Inc Common stock | — | — | — | $39K | 0.2% | |
| Vangard S&P 500 Unit Investment Trusts ** 539 Verisign Inc Common stock ** 31 Vertex Pharmaceuticals Common stock ** 31 Walmart Inc Common stock | — | — | — | $33K | 0.2% | |
| Airbnb Inc Common stock ** 22 Alphabet Inc Common stock ** 56 Amazon.com Inc Common stock | — | — | — | $20K | <0.1% | |
| Clearway Energy Inc Common stock ** 104 Cooper Companies Common stock | — | — | — | $18K | <0.1% | |
| Uber Technologies Inc Common stock | — | — | — | $14K | <0.1% | |
| Palantir Technolgies Common stock ** 137 Palo Alto Networks Common stock ** 385 Paypal Holdings Inc Common stock ** 171 Perion Network LTD Common stock ** 847 Planet Fitness Inc Common stock | — | — | — | $11K | <0.1% | |
| Jet Blue Airways Corp Common stock ** 786 Keycorp Common stock ** 701 M & T Bank Corp Common stock | — | — | — | $11K | <0.1% | |
| Super Micro Computer Common stock | — | — | — | $6K | <0.1% | |
| Broadcom Inc Common stock ** 89 Canopy Growth Corp Common stock ** 19 CBOE Global Markets Inc Common stock ** 18 Chipotle Mexican Grill Common stock | — | — | — | $6K | <0.1% | |
| O-I Glass Inc Common stock | — | — | — | $5K | <0.1% | |
| GE Heathcare Techno Common stock ** 313 GE Vernova Inc Common stock ** 987 General Dynamics Corp Common stock | — | — | — | $3K | <0.1% | |
| Tilray inc Common stock ** 30 Toyota Motor Corp ADR Preferred stock | — | — | — | $2K | <0.1% | |
| Exelixis Inc Common stock ** 33 Ford Motor Co Common stock ** 88 Fortinet Inc Common stock ** 22 GE Aerospace Common stock | — | — | — | $2K | <0.1% | |
| Crowdstrike Holdings Inc Common stock ** 39 Embecta Corporation Common stock | — | — | — | $2K | <0.1% | |
| Tesla Inc Common stock | — | — | — | $1K | <0.1% | |
| Global Technologies Common stock ** 2 Innerscope Hearing Tech Inc Common stock ** 1 Inovio Pharmaceuticals Inc Common stock ** 46 Irobot Corp Common stock | — | — | — | $1K | <0.1% |