Plan Snapshot
- Plan Sponsor: Upstate Niagara Cooperative, INC
- Sponsor EIN: 160845625
- Sponsor Address: PO BOX 268, LANCASTER, NY, 14086
- Plan Type: 401(k)
- Total Participants: 1,107
- Total Assets: $132.7M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: Yes
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 1,107 | $132.7M | $4.5M | $4.8M |
| 2023 | 1,004 | $120.9M | $4.2M | $4.2M |
| 2022 | 983 | $108.0M | $3.2M | $3.1M |
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 |
|---|---|---|---|---|
| ADP, INC. | RECORD KEEPER | $69,888 | — | $69,888 |
| PRUDENTIAL INSURANCE CO | INVESTMENT MANAGER | $34,097 | — | $34,097 |
| PRUDENTIAL TRUST CO | INVESTMENT MANAGER | $14,613 | — | $14,613 |
| DOPKINS & COMPANY LLP | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- ADP, INC. — RECORD KEEPER
- PRUDENTIAL INSURANCE CO — INVESTMENT MANAGER
- DOPKINS & COMPANY LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $118,598
- Estimated Expense Ratio: 0.089% 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 | $69,888 | — | — | — | — |
| 2023 | $55,539 | — | — | — | — |
| 2022 | $112,462 | — | — | — | — |