Carris Financial Corp. 401(k) Plan: Login, Facts & Contact Information

Carris Financial Corp. 401(k) Plan Facts

Plan name
CFC RETIREMENT PLAN
Plan type
401(k) and profit sharing
Plan sponsor
CARRIS FINANCIAL CORP.
Participants
618 (463 active employees)
Former employees with a balance
108
Plan assets
$25,741,192 at Dec 31, 2024
Average account balance
$48,938 across 526 accounts
Employer contributions
$1,155,467 in plan year 2024 (27% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jul 9, 1993
— Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Aug 25, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $4.36 million went into the plan in contributions, $1.16 million of it from the employer (27%).
  • $8.18 million was paid out to participants.
  • Investment and other income added $3.28 million.
  • Administrative expenses were $71,539, about $136 per account.

How the Carris Financial Corp. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019584$24.2 million$825,106$4.80 million
2020622$26.3 million$929,088$4.19 million
2021580$28.1 million$6,424$3.12 million
2022475$24.1 million$981,561$2.07 million
2023652$26.4 million$1.05 million$7.09 million
2024618$25.7 million$1.16 million$8.18 million

Carris Financial Corp. 401(k) Contact Information

Phone
802-773-9111
Mailing address
49 MAIN STREET, PROCTOR VT 057651178
Plan sponsor
CARRIS FINANCIAL CORP.
Employer identification number (EIN)
03-0326210
Plan number
004

Questions about the Carris Financial Corp. 401(k)

Does Carris Financial Corp contribute to the 401(k)?

The plan does not report an employer matching arrangement on its Form 5500. It did report $1.16 million in employer contributions for plan year 2024.

Does the Carris Financial Corp 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Carris Financial Corp 401(k) plan?

618 participants at the start of plan year 2024, 463 of them active employees, and 108 former employees who still had money in the plan.

What is the average 401(k) balance at Carris Financial Corp?

About $48,938 per account: $25.7 million in plan assets across 526 accounts with a balance at the end of plan year 2024.

Who manages the Carris Financial Corp 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY O) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Carris Financial Corp. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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