401(k) · DOL Form 5500 · 2023

The Adirondack Trust Company 401(k) Plan

Data updated 2026-08-25

$71M
Total assets Below avg plan size
257
Participants Below avg headcount
89th
Percentile by assets National rank
$276,372
Avg per participant High balance/head
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Official DOL plan name: The Adirondack Trust Company Employee Stock Ownership Plan · Sponsored by The Adirondack Trust Company · New York · Finance & Insurance

$71M in assets, 257 participants

The Adirondack Trust Company's The Adirondack Trust Company Employee Stock Ownership Plan reported $71M in total assets and 257 participants in its 2023 DOL Form 5500 filing, ranking in the 89th 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.

  • #7,324 in Finance & Insurance (8,869 peers)

Coverage in New York

The Adirondack Trust Company Employee Stock Ownership Plan covers 257 participants in New York, about 32% of the average New York filer (state average ~798 per filing). Assets: $71M.

#7,324
in Finance & Insurance (8,869 peers)
+4.2%
assets growth YoY
0.7×
vs typical plan assets (national mean)

The Adirondack Trust Company Employee Stock Ownership Plan's outsized position by total assets

The Adirondack Trust Company Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2023 · DOL Form 5500

$71,027,588 Top 11% higher than 89% of 127,068 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 2023

The Adirondack Trust Company Employee Stock Ownership Plan among mid-size filed plans by headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. The Adirondack Trust Company Employee Stock Ownership Plan sits mid-pack in the medium band (257 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • The Adirondack Trust Company Employee Stock Ownership Plan reported net income rose from -$3M in the plan year 2022 filing to $3M in the plan year 2023 filing.
  • The Adirondack Trust Company Employee Stock Ownership Plan reported participants rose from 242 in the plan year 2022 filing to 257 in the plan year 2023 filing.
  • The Adirondack Trust Company Employee Stock Ownership Plan end-of-year assets rose from $68M in the plan year 2022 filing to $71M in the plan year 2023 filing.

See the national 2022→2023 release diff →

Published 5500 schedule card

Filing strip 140458765 · The Adirondack Trust Company PY 2023 · 401(k)

The Adirondack Trust Company Employee Stock Ownership Plan · $71M · 257 · 89th

  • PHOTO $71M
  • PHOTO 257
  • PHOTO 89th
  • PHOTO 401(k)
  • PHOTO near Associated Builders and Contractors, Inc. Retirement & Savings Plan
  • PHOTO ind #7324

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 →

The Adirondack Trust Company Employee Stock Ownership Plan in the asset neighbourhood

Associated Builders and Contractors, Inc. Retirement & Savings PlanAssociated Builders and Cont…$71MTwin Disc, Incorporated - the Accelerator 401(k) Savings PlanTwin Disc, Incorporated - th…$71MThe Adirondack Trust Company Employee Stock Ownership PlanThe Adirondack Trust Company…$71MWismettac Asian Foods 401(k) Profit Sharing PlanWismettac Asian Foods 401(k)…$71MElection Systems & Software, LLC 401(k) PlanElection Systems & Software,…$71M
End-of-year total assets ($M) among The Adirondack Trust Company 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)$68M
Net Assets (End of Year)$71M
Net Income$3M
Employer EIN140458765
Plan Effective Date1977-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (The Adirondack Trust Company)

Sponsor-wide plan assets over time

All The Adirondack Trust Company plans reported in each filing year

Latest sponsor-wide plan assets
$127M 18.966760376743213% vs 2022
2024 filing year
$100M$110M$120M$130M 202220232024 $107M $127M ▲ +19.0%
Year Plans Participants Total Assets
2022 2 291 $107M
2023 2 301 $117M
2024 2 308 $127M

Nearby 401(k) Plans in New York

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

The Adirondack Trust Company Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000 -20020406080 Total assets ($B) Participants The Adirondack Trust Company Employee Stock Ownership Plan, Total assets ($B): 0.071027588 · Participants: 257The Adirondack Trust Company Employee Stock Ownership PlanIBM 401 (K) Plus Plan, Total assets ($B): 57.428456306 · Participants: 54912IBM 401 (K) Plus PlanPfizer Savings Plan, Total assets ($B): 19.56134085 · Participants: 30033Pfizer Savings PlanMorgan Stanley 401(k) Plan, Total assets ($B): 19.235068266 · Participants: 55363Morgan Stanley 401(k) PlanThe Pepsico Savings Plan, Total assets ($B): 13.651296 · Participants: 133597The Pepsico Savings PlanThe Goldman Sachs 401(k) Plan, Total assets ($B): 11.428659742 · Participants: 24866The Goldman Sachs 401(k) Plan
The Adirondack Trust Company Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants
Compare The Adirondack Trust Company Employee Stock Ownership Plan side-by-side with 3 peers →

The Adirondack Trust Company 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 Associated Builders and Contractors, Inc. Retirement & Savings Plan in DC ($71M); by covered participants it is Pace Resources, Inc. Retirement Savings Plan in PA (257 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (257 participants); asset peers above are excluded.

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 The Adirondack Trust Company Employee Stock Ownership Plan assets move in 2023? ▼
The Adirondack Trust Company Employee Stock Ownership Plan edged up modestly - up 4.2% during 2023, from $68M to $71M. Reported net income was $3M.
How have The Adirondack Trust Company plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), The Adirondack Trust Company's sponsor-wide assets grew 19.0%, from $107M to $127M.
Where does The Adirondack Trust Company Employee Stock Ownership Plan rank by assets among Form 5500 filers? ▼
The Adirondack Trust Company Employee Stock Ownership Plan ranks in the 89th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top quartile of all filed plans by assets).
Which 401(k) plans are similar in size to The Adirondack Trust Company Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by assets is Associated Builders and Contractors, Inc. Retirement & Savings Plan in DC ($71M, 720 participants).
Which 401(k) plans cover a similar participant headcount to The Adirondack Trust Company Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Pace Resources, Inc. Retirement Savings Plan in PA (257 participants, $48M 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 140458765.

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.