The Canandaigua National Bank And Trust Company 401(k) Plan: Login, Facts & Contact Information

The Canandaigua National Bank And Trust Company 401(k) Plan Facts

Plan name
THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY PROFIT SHARING AND 401(K) PLAN
Plan type
401(k) and profit sharing
Plan sponsor
THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY
Participants
840 (658 active employees)
Former employees with a balance
114
Plan assets
$141,506,613 at Dec 31, 2024
Average account balance
$194,111 across 729 accounts
Employer contributions
$3,650,000 in plan year 2024 (42% of all contributions)
Recordkeeper
Epic Retirement Plan Services
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1949
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 Oct 8, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $8.62 million went into the plan in contributions, $3.65 million of it from the employer (42%).
  • $14.8 million was paid out to participants.
  • Investment and other income added $15.8 million.
  • Administrative expenses were $116,048, about $159 per account.

How the The Canandaigua National Bank And Trust Company 401(k) changed, 20192024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019637$105.5 million$4.00 million$5.85 million
2020649$118.2 million$4.30 million$6.30 million
2021673$133.8 million$4.70 million$9.28 million
2022731$114.4 million$4.30 million$7.52 million
2023802$131.9 million$4.30 million$9.49 million
2024840$141.5 million$3.65 million$14.8 million

The Canandaigua National Bank And Trust Company 401(k) Contact Information

Phone
585-394-4260
Mailing address
1150 PITTSFORD-VICTOR ROAD, PITTSFORD NY 14534
Plan sponsor
THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY
Employer identification number (EIN)
16-0373410
Plan number
001

Questions about the The Canandaigua National Bank And Trust Company 401(k)

Does The Canandaigua National Bank And Trust Company contribute to the 401(k)?

The plan does not report an employer matching arrangement on its Form 5500. It did report $3.65 million in employer contributions for plan year 2024.

Does the The Canandaigua National Bank And Trust Company 401(k) have automatic enrollment?

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

How many people are in the The Canandaigua National Bank And Trust Company 401(k) plan?

840 participants at the start of plan year 2024, 658 of them active employees, and 114 former employees who still had money in the plan.

What is the average 401(k) balance at The Canandaigua National Bank And Trust Company?

About $194,111 per account: $141.5 million in plan assets across 729 accounts with a balance at the end of plan year 2024.

Who manages the The Canandaigua National Bank And Trust Company 401(k) accounts?

EPIC Retirement Plan Services is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at The Canandaigua National Bank And Trust Company. How do I access my 401(k)?

Your account stays with EPIC Retirement Plan Services 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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