401(k) · DOL Form 5500 · 2023

Community Bank System, Inc. 401(k) Plan

Data updated 2026-08-25

$416M
Total assets Above avg plan size: 2,752
Participants Above avg headcount: 97th
Percentile by assets National rank: $151,011
Avg per participant Above 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

$416M in assets, 2,752 participants

Community Bank System, Inc.'s Community Bank System, Inc. 401(k) Employee Stock Ownership Plan reported $416M in total assets and 2,752 participants in its 2023 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.

#8,418 in Finance & Insurance (8,869 peers)

Coverage in New York

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan covers 2,752 participants in New York, 3.4x the typical New York plan (state average ~798 per filing). Assets: $416M.

#8,418
in Finance & Insurance (8,869 peers): +9.5%
assets growth YoY: 4.2×
vs typical plan assets (national mean)

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 2023 · DOL Form 5500

$415,582,866 Top 3% higher than 97% of 127,068 filed plans

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

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2023

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

Plan-year 2023 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 (2,752 participants).

Micro (1-10) 35,718 filings (27%) Small (11-100) 27,089 filings (21%) Medium (101-1,000) 55,445 filings (43%) Large (1,001-10,000) 10,273 filings (8%) Mega (10,000+) 1,374 filings (1%)

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan reported net income rose from -$77M in the plan year 2022 filing to $36M in the plan year 2023 filing.
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan end-of-year assets rose from $379M in the plan year 2022 filing to $416M in the plan year 2023 filing.
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan reported participants rose from 2,723 in the plan year 2022 filing to 2,752 in the plan year 2023 filing.

See the national 2022→2023 release diff →

Published 5500 schedule card

Filing strip 161213679 · Community Bank System, Inc. PY 2023 · 401(k)

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan · $416M · 2,752 · 97th

5500 $416M
5500 2,752
5500 97th
5500 401(k)
5500 near Kaman Corporation 401(k) Plan
5500 ind #8418

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 →

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 2023.

New York filing particulars

Total Assets (Beginning of Year)	$379M
Net Assets (End of Year)	$416M
Net Income	$36M
Employer EIN	161213679
Plan Effective Date	1978-07-01
Filing Status	FILING RECEIVED

Sponsor Plan History (Community Bank System, Inc.)

Latest sponsor-wide plan assets: $747M 19.79070509164679% vs 2022; 2024 filing year

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

IBM 401 (K) Plus Plan $57.4B · 54,912
Pfizer Savings Plan $19.6B · 30,033
Morgan Stanley 401(k) Plan $19.2B · 55,363
The Pepsico Savings Plan $13.7B · 133,597
The Goldman Sachs 401(k) Plan $11.4B · 24,866

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 Kaman Corporation 401(k) Plan in CT ($415M); by covered participants it is East West Bank Employees 401(k) Savings Plan in CA (2,751 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($416M here).

Kaman Corporation 401(k) Plan (CT) $415M · 1,683
Cooper-Standard Automotive Inc. Enhanced Investment Savings Plan (MI) $415M · 3,109
Vishay Employee Savings Plus Plan (PA) $415M · 2,410
Owens-Illinois, Inc. Stock Purchase and Savings Program (OH) $415M · 1,291

Similar participant headcount

Nearest other-state filings by covered participants (2,752 participants); asset peers above are excluded.

East West Bank Employees 401(k) Savings Plan (CA) 2,751 · 1 off
National Indemnity Company Employee Retirement and Savings Plan (NE) 2,753 · 1 off
Malibu Boats, Inc. 401(k) Plan (TN) 2,748 · 4 off
Alaska Airlines, Inc. Alaskasaver Plan (WA) 2,748 · 4 off

DOL Form 5500 plan year 2023. 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 2023? ▼

Community Bank System, Inc. 401(k) Employee Stock Ownership Plan grew at a solid clip - up 9.5% during 2023, from $379M to $416M. Reported net income was $36M.

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 127,072 plans that reported assets for plan year 2023 (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 Kaman Corporation 401(k) Plan in CT ($415M, 1,683 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 East West Bank Employees 401(k) Savings Plan in CA (2,751 participants, $538M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

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