Tompkins Trust Company 401(k) Plan: Login, Facts & Contact Information

Tompkins Trust Company 401(k) Plan Facts

Plan name
TOMPKINS RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
TOMPKINS FINANCIAL CORPORATION
Participants
1,412 (988 active employees)
Former employees with a balance
318
Plan assets
$220,707,841 at Dec 31, 2024
Average account balance
$169,384 across 1,303 accounts
Employer contributions
$7,319,703 in plan year 2024 (42% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1984
✓ 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 3, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $17.3 million went into the plan in contributions, $7.32 million of it from the employer (42%).
  • $28.5 million was paid out to participants.
  • Investment and other income added $24.8 million.
  • Administrative expenses were $211,099, about $162 per account.

How the Tompkins Trust Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20191,348$144.4 million$2.76 million$12.6 million
20201,369$159.7 million$2.92 million$8.51 million
20211,416$219.2 million$7.29 million$10.3 million
20221,483$186.9 million$7.26 million$18.8 million
20231,420$207.1 million$7.46 million$20.8 million
20241,412$220.7 million$7.32 million$28.5 million

Tompkins Trust Company 401(k) Contact Information

Phone
607-273-3210
Mailing address
P.O. BOX 460 118 EAST SENECA STREET, ITHACA NY 148510460
Plan sponsor
TOMPKINS FINANCIAL CORPORATION
Employer identification number (EIN)
15-0470650
Plan number
002

Questions about the Tompkins Trust Company 401(k)

Does Tompkins Trust Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $7.32 million, 42% of all contributions.

Does the Tompkins Trust Company 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Tompkins Trust Company 401(k) plan?

1,412 participants at the start of plan year 2024, 988 of them active employees, and 318 former employees who still had money in the plan.

What is the average 401(k) balance at Tompkins Trust Company?

About $169,384 per account: $220.7 million in plan assets across 1,303 accounts with a balance at the end of plan year 2024.

Who manages the Tompkins Trust Company 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 Tompkins Trust Company. 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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