Financial Institutions, Inc. 401(k) Plan: Login, Facts & Contact Information

Financial Institutions, Inc. 401(k) Plan Facts

Plan name
FINANCIAL INSTITUTIONS, INC. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
FINANCIAL INSTITUTIONS, INC.
Participants
880 (594 active employees)
Former employees with a balance
224
Plan assets
$70,955,553 at Dec 31, 2024
Average account balance
$86,531 across 820 accounts
Recordkeeper
The Vanguard Group, Inc.
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1986
✓ 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 Jul 9, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $5.55 million went into the plan in contributions.
  • $5.81 million was paid out to participants.
  • Investment and other income added $7.92 million.
  • Administrative expenses were $66,830, about $82 per account.

How the Financial Institutions, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019977$52.4 million—$4.19 million
2020911$59.1 million—$3.32 million
2021826$67.4 million$21,078$3.69 million
2022831$56.6 million—$5.82 million
2023894$63.4 million—$6.83 million
2024880$71.0 million—$5.81 million

Financial Institutions, Inc. 401(k) Contact Information

Phone
585-786-1100
Mailing address
55 NORTH MAIN STREET, WARSAW NY 14569
Plan sponsor
FINANCIAL INSTITUTIONS, INC.
Employer identification number (EIN)
16-0816610
Plan number
002

Questions about the Financial Institutions, Inc. 401(k)

Does Financial Institutions, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement.

Does the Financial Institutions, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Financial Institutions, Inc 401(k) plan?

880 participants at the start of plan year 2024, 594 of them active employees, and 224 former employees who still had money in the plan.

What is the average 401(k) balance at Financial Institutions, Inc?

About $86,531 per account: $71.0 million in plan assets across 820 accounts with a balance at the end of plan year 2024.

Who manages the Financial Institutions, Inc 401(k) accounts?

Vanguard (listed on the filing as THE VANGUARD GROUP, INC.) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Financial Institutions, Inc. How do I access my 401(k)?

Your account stays with Vanguard 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.

Related Companies
Headquarter: 301 CONGRESS AVENUE SUITE 800, AUSTIN, TX, 78701
Headquarter: 744 PRIMERA BOULEVARD SUITE 2000, LAKE MARY, FL, 32746
Headquarter: 1001 E. LOOKOUT DRIVE, RICHARDSON, TX, 75082
Headquarter: 341 WHITE POND, AKRON, OH, 44320
Headquarter: 2850 GOLF ROAD, 8TH FLOOR, ROLLING MEADOWS, IL, 60008