401(k) · DOL Form 5500 · 2024
Community Financial System, Inc 401(k) Plan
Data updated 2026-08-25
- $474M
- Total assets Above avg plan size
- 2,675
- Participants Above avg headcount
- 97th
- Percentile by assets National rank
- $177,275
- Avg per participant Above avg balance/head
Official DOL plan name: Community Financial System, Inc 401(k) Employee Stock Ownership Plan · Sponsored by Community Financial System, Inc · New York · Finance & Insurance
$474M in assets, 2,675 participants
Community Financial System, Inc's Community Financial System, Inc 401(k) Employee Stock Ownership Plan reported $474M in total assets and 2,675 participants in its 2024 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.
- #8,106 in Finance & Insurance (8,549 peers)
Coverage in New York
Community Financial System, Inc 401(k) Employee Stock Ownership Plan covers 2,675 participants in New York, 3.4x the typical New York plan (state average ~798 per filing). Assets: $474M.
- #8,106
- in Finance & Insurance (8,549 peers)
- +14.1%
- assets growth YoY
- 4.8×
- vs typical plan assets (national mean)
Community Financial System, Inc 401(k) Employee Stock Ownership Plan's outsized position by total assets
Community Financial System, Inc 401(k) Employee Stock Ownership Plan vs every filed plan by assets
End-of-year total assets · plan year 2024 · DOL Form 5500
$474,210,083 Top 3% higher than 97% of 123,620 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024
Community Financial System, Inc 401(k) Employee Stock Ownership Plan's large-plan peer group by participant headcount
Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Community Financial System, Inc 401(k) Employee Stock Ownership Plan lands in the large band (2,675 participants).
What changed between DOL Form 5500 filings
plan year 2023 → plan year 2024
- Community Financial System, Inc 401(k) Employee Stock Ownership Plan reported net income rose from $36M in the plan year 2023 filing to $59M in the plan year 2024 filing.
- Community Financial System, Inc 401(k) Employee Stock Ownership Plan end-of-year assets rose from $416M in the plan year 2023 filing to $474M in the plan year 2024 filing.
- Community Financial System, Inc 401(k) Employee Stock Ownership Plan reported participants fell from 2,752 in the plan year 2023 filing to 2,675 in the plan year 2024 filing.
EBSA filing schedule strip
Filing strip 161213679 · Community Financial System, Inc PY 2024 · 401(k)
Community Financial System, Inc 401(k) Employee Stock Ownership Plan · $474M · 2,675 · 97th
- TYPE $474M
- NET 2,675
- BOOK 97th
- VS-ST 401(k)
- BOY near Absopure Water Company, Et Al. 401(k) Profit Sharing Plan
- SCH ind #8106
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 Financial System, Inc 401(k) Employee Stock Ownership Plan in the asset neighbourhood
New York filing particulars
| Total Assets (Beginning of Year) | $416M |
|---|---|
| Net Assets (End of Year) | $474M |
| Net Income | $59M |
| Employer EIN | 161213679 |
| Plan Effective Date | 1978-07-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Community Financial System, Inc)
Sponsor-wide plan assets over time
All Community Financial System, Inc plans reported in each filing year
- 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.
- IBM 401(k) Plan $60.4B · 52,674
- Morgan Stanley 401(k) Plan $22.2B · 53,860
- Pfizer Savings Plan $22.0B · 33,309
- The Pepsico Savings Plan $14.9B · 137,398
- The Goldman Sachs 401(k) Plan $12.8B · 23,227
Community Financial 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 Absopure Water Company, Et Al. 401(k) Profit Sharing Plan in MI ($474M); by covered participants it is College Health Enterprises 401(k) Savings Plan in CA (2,675 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($474M here).
- Absopure Water Company, Et Al. 401(k) Profit Sharing Plan (MI) $474M · 4,327
- Jones Walker LLP Profit Sharing Retirement Plan (LA) $474M · 629
- Dominion Energy Virginia 401(k) Plan for Union-Represented Employees (VA) $474M · 2,702
- Orange Group 401(k) Plan (VA) $474M · 513
Similar participant headcount
Nearest other-state filings by covered participants (2,675 participants); asset peers above are excluded.
- College Health Enterprises 401(k) Savings Plan (CA) 2,675 · 0 off
- Quorum Health Retirement Savings Plan (TN) 2,675 · 0 off
- Presidio LLC 401(k) Plan (VA) 2,676 · 1 off
- Mondelez Global LLC Tip Plan (IL) 2,674 · 1 off
DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.