Original filing (PDF)20251007125029NAL0002686723001

CANANDAIGUA NATIONAL BANK AND TRUST COMPANY

Name: CANANDAIGUA NATIONAL BANK AND TRUST COMPANY — THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: CANANDAIGUA NATIONAL BANK AND TRUST COMPANY

Form 5500

FILING_RECEIVED

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 3

100% in single holding100% employer stockNo recordkeeper disclosed

Active participants

671

Accounts w/ balance

791

Plan assets (EOY)

$8.1M

Net assets (EOY)

$8.1M

How this plan invests

This plan

2 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 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

Total plan cost

100

Vendor stack

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CANANDAIGUA NATIONAL BANK AND TRUST COMPANY.

Plan sponsor

Name

CANANDAIGUA NATIONAL BANK AND TRUST COMPANY

EIN

16-0373410

Address

72 SOUTH MAIN STREET · CANANDAIGUA, NY · 14424

Phone

(585) 394-4260

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

2025-10-07

Pension benefit codes

2I · Stock bonus

2O · ESOP (non-leveraged)

3I · Requires investment in employer securities

Audit & trust (Schedule H)

Auditor

FREED MAXICK, PC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
BENEFIT MANAGEMENT INC	22-2940440	—	PLAN ADMINISTRATOR	$9K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
FREED MAXICK, CPAS	45-4051133	—	ACCOUNTANT	$13K	—

Investments

2 direct securities· $7.5M(93% of reported assets)

PI	Investment	Type	Shares / units	Cost	Current value	% of plan
	Canandaigua National Common stock $20 par value, * Corporation 29,560 shares	—	—	$1.2M	$7.5M	92.6%
	Canandaigua National Interest bearing bank account * Corporation	—	—	$5K	$5K	<0.1%

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