401(k) · DOL Form 5500 · 2022

Community Bank System, Inc. 401(k) Plan

Data updated 2026-08-25

$379M
Total assets Above avg plan size
2,723
Participants Above avg headcount
97th
Percentile by assets National rank
$139,350
Avg per participant Near avg balance/head
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Official DOL plan name: Community Bank System, Inc. 401(k) Employee Stock Ownership Plan · Sponsored by Community Bank System, Inc. · New York · Finance & Insurance

$379M in assets, 2,723 participants

Community Bank System, Inc.'s Community Bank System, Inc. 401(k) Employee Stock Ownership Plan reported $379M in total assets and 2,723 participants in its 2022 DOL Form 5500 filing, ranking in the 97th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #8,823 in Finance & Insurance (9,261 peers)

Coverage in New York

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan covers 2,723 participants in New York, 3.4x the typical New York plan (state average ~798 per filing). Assets: $379M.

#8,823
in Finance & Insurance (9,261 peers)
-15.5%
assets change YoY
3.8×
vs typical plan assets (national mean)

The plan reported a net loss of $77M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan's outsized position by total assets

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$379,450,506 Top 3% higher than 97% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan's large-plan peer group by participant headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Community Bank System, Inc. 401(k) Employee Stock Ownership Plan lands in the large band (2,723 participants).

EBSA filing schedule strip

Filing strip 161213679 · Community Bank System, Inc. PY 2022 · 401(k)

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan · $379M · 2,723 · 97th

  • EIN $379M
  • RANK 2,723
  • PHOTO 97th
  • IND 401(k)
  • EOY near Republic Airways Holdings Inc. 401(k) Plan
  • 5500 ind #8823

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in New York →

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan in the asset neighbourhood

Twilio 401(k) Plan$380MUPS/Ibt Local 2727 401 (K) PlanUPS/Ibt Local 2727 401 (K) P…$380MSonic Healthcare USA Savings PlanSonic Healthcare USA Savings…$380MRepublic Airways Holdings Inc. 401(k) PlanRepublic Airways Holdings In…$379MCommunity Bank System, Inc. 401(k) Employee Stock Ownership PlanCommunity Bank System, Inc. …$379M
End-of-year total assets ($M) among Community Bank System, Inc. 401(k) Employee Stock Ownership Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

New York filing particulars

Total Assets (Beginning of Year)$449M
Net Assets (End of Year)$379M
Net Income-$77M
Employer EIN161213679
Plan Effective Date1978-07-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Community Bank System, Inc.)

Sponsor-wide plan assets over time

All Community Bank System, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$747M 19.79070509164679% vs 2022
2024 filing year
$600M$650M$700M$750M$800M 202220232024 $624M $747M ▲ +19.8%
Year Plans Participants Total Assets
2022 2 5,177 $624M
2023 2 5,228 $683M
2024 2 5,097 $747M

Nearby 401(k) Plans in New York

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000 -200204060 Total assets ($B) Participants Community Bank System, Inc. 401(k) Employee Stock Ownership Plan, Total assets ($B): 0.379450506 · Participants: 2723Community Bank System, Inc. 401(k) Employee Stock Ownership PlanIBM 401 (K) Plus Plan, Total assets ($B): 53.363875208 · Participants: 56376IBM 401 (K) Plus PlanMorgan Stanley 401(k) Plan, Total assets ($B): 16.415517176 · Participants: 42924Morgan Stanley 401(k) PlanThe Pepsico Savings Plan, Total assets ($B): 12.067222 · Participants: 129846The Pepsico Savings PlanDeloitte 401(k) Plan, Total assets ($B): 10.966899716 · Participants: 74687Deloitte 401(k) PlanThe Goldman Sachs 401(k) Plan, Total assets ($B): 9.681988279 · Participants: 22650The Goldman Sachs 401(k) Plan
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants
Compare Community Bank System, Inc. 401(k) Employee Stock Ownership Plan side-by-side with 3 peers →

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan's out-of-state 401(k) peers by assets and headcount

Outside New York, the nearest 401(k) by assets is Republic Airways Holdings Inc. 401(k) Plan in IN ($379M); by covered participants it is Situsamc 401(k) Plan in TX (2,723 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($379M here).

Similar participant headcount

Nearest other-state filings by covered participants (2,723 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Community Bank System, Inc. 401(k) Employee Stock Ownership Plan assets move in 2022? ▼
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan declined sharply - down 15.5% during 2022, from $449M to $379M. Reported net income was -$77M.
How have Community Bank System, Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Community Bank System, Inc.'s sponsor-wide assets grew 19.8%, from $624M to $747M.
Where does Community Bank System, Inc. 401(k) Employee Stock Ownership Plan rank by assets among Form 5500 filers? ▼
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan ranks in the 97th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 5% of all filed plans by assets).
Which 401(k) plans are similar in size to Community Bank System, Inc. 401(k) Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by assets is Republic Airways Holdings Inc. 401(k) Plan in IN ($379M, 6,268 participants).
Which 401(k) plans cover a similar participant headcount to Community Bank System, Inc. 401(k) Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Situsamc 401(k) Plan in TX (2,723 participants, $135M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 161213679.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.