# Pathfinder Bank 401(k) Plan
Source: https://planprovider.pro/companies/pathfinder-bank-401k-plan

> Pathfinder Bank's 401(k) plan: 271 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Pathfinder Bank

- **Sponsor EIN:** 150408130

- **Sponsor Address:** 214 WEST FIRST STREET, OSWEGO, NY, 13126

- **Plan Type:** 401(k)

- **Total Participants:** 271

- **Total Assets:** $20.5M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** Yes

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|271|$20.5M|$886,244|$1.1M|

| 2023|192|$20.4M|$816,840|$1.0M|

| 2022|159|$18.4M|$769,933|$1.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| BLUE WATER CAPITAL MGMT INC|INVESTMENT ADVISOR|$25,806|—|$25,806|

| BENEFIT PLANS ADMINSTRATIVE SERVICE|CONTRACT ADMIN|$8,393|—|$8,393|

| BONADIO & COMPANY, LLP|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [BENEFIT PLANS ADMINSTRATIVE SERVICE](https://planprovider.pro/provider/bpas) — CONTRACT ADMIN

- [BONADIO & COMPANY, LLP](https://planprovider.pro/provider/bonadio-and-co-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $34,199

- **Estimated Expense Ratio:** 0.166% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$59,096|$52,962|—|—|—|

| 2023|$59,380|$53,245|—|—|—|

| 2022|—|—|—|—|—|

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