Original filing (PDF)20250923093240NAL0002478675001

Genesee Regional Bank

Name: Genesee Regional Bank — Genesee Regional Bank 401(k), Form 5500 (2024)
Creator: Genesee Regional Bank
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Genesee Regional Bank 401(k) Plan and Trust

401(k) retirement plan · Genesee Regional Bank's Genesee Regional Bank 401(k) Plan and Trust held $22.2M in plan assets for 154 participants in 2024, with Fidelity as recordkeeper.

Signals · 1

Self-directed brokerage offered

Active participants

154

Accounts w/ balance

206

Plan assets (EOY)

$22.2M

Net assets (EOY)

$22.2M

How this plan invests

This plan

30 securities

funds · stocks · CUSIPs

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

Plan health score

Above-average plan

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

Plan health

Vendor & structure

100

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for GENESEE REGIONAL BANK.

Plan sponsor

Name

GENESEE REGIONAL BANK

EIN

36-3351119all filings

Address

1850 SOUTH WINTON ROAD · ROCHESTER, NY · 14618

Phone

(585) 249-1541

Industry

Commercial Banking· Finance & Insurance

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

2025-09-23

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

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

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$31K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
THE WATERFORD GROUP LLC	80-0675279	—	ADVISOR	$59K	—

Investments

30 direct securities· $22.2M(100% of reported assets)

Mutual Funds

$15.2M

17 holdings

Common Collective Trusts

$4.1M

6 holdings

Self-Directed Brokerage

$1.8M

1 holding

Other securities

$960K

4 holdings

U.S. Treasuries

$96K

2 holdings

					% of plan
Fidelity 500 Index Fund Mutual fund	Common Collective Trusts	—	—	$3.2M	14.6%
American Funds 2045 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$2.5M	11.4%
American Funds 2035 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$2.4M	10.9%
American Funds 2050 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$2.2M	9.9%
SELF-DIRECTED BROKERAGE ACCOUNTS	Self-Directed Brokerage	—	—	$1.8M	8.0%
American Funds 2055 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$1.6M	7.1%
American Funds 2030 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$1.2M	5.6%
American Funds 2040 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$1.0M	4.6%
MFS Massachusetts Investors Growth Stock Fund Class R4 Mutual fund	Mutual Funds	—	—	$895K	4.0%
MFS Value R6 Mutual fund	Mutual Funds	—	—	$759K	3.4%
through August 2033	Other securities	—	—	$562K	2.5%
MFS Mid Cap Growth R6 Mutual fund	Mutual Funds	—	—	$539K	2.4%
T. Rowe Price International Equity Index Fund Mutual fund	Common Collective Trusts	—	—	$520K	2.3%
American Funds 2025 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$477K	2.1%
American Funds 2020 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$391K	1.8%
John Hancock Bond Fund Class I Mutual fund	Other securities	—	—	$363K	1.6%
American Funds 2060 Target Date Retirement Fund Class R6 Mutual fund	Mutual Funds	—	—	$341K	1.5%
Fidelity Small Cap Index Mutual fund	Mutual Funds	—	—	$335K	1.5%
Columbia Mid Cap Index Fund Institutional Cap Mutual fund	Common Collective Trusts	—	—	$251K	1.1%
Fidelity Government Money Market Fund Money market fund	Mutual Funds	—	—	$221K	1.0%
Franklin Small Cap Growth Advisor Class Mutual fund	Mutual Funds	—	—	$92K	0.4%
American Funds 2010 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$82K	0.4%
American Funds 2015 Target Date Retirement Fund Class R-6 Mutual fund	Mutual Funds	—	—	$73K	0.3%
Fidelity Real Estate Index Fund Mutual fund	Common Collective Trusts	—	—	$69K	0.3%
Fidelity Short-Term Treasury Bond Index Fund Mutual fund	U.S. Treasuries	—	—	$54K	0.2%
Fidelity Emerging Markets Index Fund Mutual fund	Common Collective Trusts	—	—	$53K	0.2%
JPMorgan Government Bond Fund Class I Mutual fund	U.S. Treasuries	—	—	$42K	0.2%
AS Spl Mid Cap Value Fund - Class Inst Mutual fund	Other securities	—	—	$31K	0.1%
BNYM Bond Market Index Fund Class I Mutual fund	Common Collective Trusts	—	—	$18K	<0.1%
AS Spl Sm Cap Value Fund R6 Mutual fund	Other securities	—	—	$5K	<0.1%