Ballston Spa National Bank401(k)

Ballston Spa National Bank's 2025 Form 5500 did not separately report plan administrative expenses, which is common where recordkeeping is paid through investment revenue-sharing or a master trust. The plan held $21,312,374 across 195 participant accounts, with employer contributions averaging $4,532 per active participant. See methodology for what Form 5500 does and doesn't capture.

The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 2,435th-largest of 5,648 plans among New York employers on file, and 2,947th of 4,798 in finance & insurance. In 2025, employees put in $1.36 for every $1.00 the employer contributed; active participation has grown from 122 to 140 since 2022.