401(k) · DOL Form 5500 · 2022

Community Bank System, Inc. 401(k) Plan

Data updated 2026-08-11

$379M
Total assets
2,723
Participants
97th
Percentile by assets
$139,350
Avg per participant
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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.

  • 97th percentile by assets (of 139,126 plans)
  • #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.

$379M
total plan assets (2022 EOY)
2,723
covered participants
97th
percentile by assets (of 139,126 plans)
$139,350
avg assets per participant

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.

State

Participants vs New York filers

In New York, the average filing covers about 798 participants across 9,061 plans. Community Bank System, Inc. 401(k) Employee Stock Ownership Plan reports 2,723 participants - 3.4x that state average ($379M EOY assets).

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.)

$600M$650M$700M$750M$800M 202220232024 $624M $747M ▲ +19.8%
Total plan assets by year, all Community Bank System, Inc. plans on file
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

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 Syste…IBM 401 (K) Plus PlanMorgan Stanley 401(k…The Pepsico Savings …Deloitte 401(k) PlanThe Goldman Sachs 40…
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants

Similar-Sized 401(k) Plans Nationally

401(k) plans in other states closest to Community Bank System, Inc. 401(k) Employee Stock Ownership Plan by total assets, not by location.

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).

Next read for Community Bank System, Inc. 401(k) Emplo…

Filing takeaways

Ways to act on Community Bank System, Inc. 401(k) Employee Stock Ownership Plan's numbers.

  • By total assets, Community Bank System, Inc. 401(k) Employee Stock Ownership Plan ranks in the top 5% of all filed plans by assets. See the largest plans
  • Compare it side-by-side against 3 similar 401(k) plans in New York. Compare plans
  • Community Bank System, Inc.'s sponsor-wide assets have grown 19.8% since 2022 across 3 plan years on file. More Finance & Insurance plans