New York Central Mutual Fire Insurance Co. 401(k) Plan: Login, Facts & Contact Information

New York Central Mutual Fire Insurance Co. 401(k) Plan Facts

Plan name
NEW YORK CENTRAL MUTUAL FIRE INSURANCE COMPANY 401K RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
NEW YORK CENTRAL MUTUAL FIRE INSURANCE CO.
Participants
1,019 (943 active employees)
Former employees with a balance
114
Plan assets
$82,508,892 at Dec 31, 2024
Average account balance
$79,107 across 1,043 accounts
Employer contributions
$200,945 in plan year 2024 (3% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Mar 1, 1995
✓ 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 Sep 24, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $7.11 million went into the plan in contributions, $200,945 of it from the employer (3%).
  • $8.80 million was paid out to participants.
  • Investment and other income added $9.21 million.
  • Administrative expenses were $91,438, about $88 per account.

How the New York Central Mutual Fire Insurance Co. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019955$55.3 million$0$2.78 million
2020955$64.8 million$0$2.18 million
2021944$76.0 million—$4.50 million
2022964$63.0 million—$6.63 million
2023977$75.1 million—$3.65 million
20241,019$82.5 million$200,945$8.80 million

New York Central Mutual Fire Insurance Co. 401(k) Contact Information

Phone
607-965-2476
Mailing address
1899 CENTRAL PLZ E, EDMESTON NY 133351828
Plan sponsor
NEW YORK CENTRAL MUTUAL FIRE INSURANCE CO.
Employer identification number (EIN)
15-0398170
Plan number
002

Questions about the New York Central Mutual Fire Insurance Co. 401(k)

Does New York Central Mutual Fire Insurance Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $200,945, 3% of all contributions.

Does the New York Central Mutual Fire Insurance Co 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the New York Central Mutual Fire Insurance Co 401(k) plan?

1,019 participants at the start of plan year 2024, 943 of them active employees, and 114 former employees who still had money in the plan.

What is the average 401(k) balance at New York Central Mutual Fire Insurance Co?

About $79,107 per account: $82.5 million in plan assets across 1,043 accounts with a balance at the end of plan year 2024.

Who manages the New York Central Mutual Fire Insurance Co 401(k) accounts?

Principal (listed on the filing as PRINCIPAL LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at New York Central Mutual Fire Insurance Co. How do I access my 401(k)?

Your account stays with Principal 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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