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Original filing (PDF)20250729123504NAL0007486178001
A&E HEALTH & WELFARE TRUST C/O CNB
Form 5500
FILING_RECEIVED
A&E HEALTH AND WELFARE TRUST PLAN
Health & welfare plan
Signals · 2
~130 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,717
Accounts w/ balance
—
Plan assets (EOY)
$1.5M
Net assets (EOY)
-$8.2M
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
65
Vendor stack
80
Participation health
100
Knocking points off
- 130 bps in Schedule C fees — 150% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for A&E HEALTH & WELFARE TRUST C/O CNB.
Plan sponsor
Name
A&E HEALTH & WELFARE TRUST C/O CNB
EIN
85-6722269
Address
1150 PITTSFORD VICTOR RD · PITTSFORD, NY · 14534
Phone
(585) 394-4260
Plan administrator
Name
INDIVIDUAL TRUSTEES OF THE A&E HEALTH AND WELFARE TRUST
EIN
85-6722269
City
PITTSFORD, NY
Phone
(585) 441-0460
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-29
Welfare benefit codes
4A · Health (other than dental or vision)
4D · Dental
Audit & trust (Schedule H)
Auditor
MENGEL METZGER BARR & CO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTrustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CANANDAIGUA NATIONAL BANK | 16-1495122 | — | CORPORATE TRUSTEE | $3K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MENGEL METZGER & BARR | 16-1092347 | — | AUDITOR | $15K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HARTER SECREST & EMERY, LLP | 16-0766172 | — | LAW FIRM | $2K | — |
Investments
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.