Back to filter
Original filing (PDF)20251009102747NAL0006442417001
COMMUNITY FINANCIAL SYSTEM, INC.
Form 5500
FILING_RECEIVED
COMMUNITY FINANCIAL SYSTEM, INC. PENSION PLAN
Defined-benefit pension plan
Signals · 1
No recordkeeper disclosed
Active participants
2,325
Accounts w/ balance
—
Plan assets (EOY)
$273.0M
Net assets (EOY)
$273.0M
Plan health score (directional)
87
/ 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
75
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COMMUNITY FINANCIAL SYSTEM, INC..
Plan sponsor
Name
COMMUNITY FINANCIAL SYSTEM, INC.
EIN
16-1213679
Address
5790 WIDEWATERS PKWY · DEWITT, NY · 132141850
Phone
(315) 991-3692
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
1A · Pay-related DB formula
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
DANNIBLE & MCKEE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
Related plans
Similar-size Finance & Insurance plans
CITCO TECHNOLOGY MANAGEMENT, INC.
CITCO TECHNOLOGY MANAGEMENT, INC. 401(K) RETIREMENT PLAN
$271.2M · 761 participants
BROWN INVESTMENT ADVISORY & TRUST COMPANY
BROWN ADVISORY 401(K) PLAN
$275.8M · 870 participants
CREATIVE PLANNING LLC
CREATIVE PLANNING COMPANIES EMPLOYER RETIREMENT CONTRIBUTION PLAN
$269.6M · 2,243 participants
THE COLONY GROUP, LLC
THE COLONY GROUP, LLC 401(K) PROFIT SHARING PLAN
$269.5M · 551 participants
CORIENT SERVICES LLC
CORIENT SERVICES LLC 401(K) PLAN
$267.2M · 1,200 participants
BRANDES INVESTMENT PARTNERS, L.P.
BRANDES INVESTMENT PARTNERS, L.P. 401(K) PLAN
$278.9M · 143 participants
Large plans in New York
INTERNATIONAL BUSINESS MACHINES CORPORATION
IBM 401(K) PLAN
$60.4B · 49,030 participants
TEACHERS INSURANCE & ANNUITY ASSOCIATION OF AMERICA
TIAA REAL ESTATE ACCOUNT
$25.2B
JPMORGAN CHASE BANK, N.A.
COMMINGLED PENSION TRUST FUND (STRATEGIC PROPERTY) OF JPMORGAN CHASE BANK, N.A.
$24.3B
MORGAN STANLEY DOMESTIC HOLDINGS, LLC
MORGAN STANLEY 401(K) PLAN
$22.2B · 54,084 participants
PFIZER INC
PFIZER SAVINGS PLAN
$22.0B · 29,469 participants
JPMORGAN CHASE BANK, N.A.
COMMINGLED PENSION TRUST FUND (EQUITY INDEX) OF JPMORGAN CHASE BANK, N.A.
$20.0B