DFX Intelligence

Allocator Intelligence

The capital-owner graph behind private markets. Who owns the capital, who decides, how much, under what policy, on whose advice, to which managers, and what changed, with a source and a date behind every row. A target is never an actual, a disclosed holding is never an approval, and an estimate says so.

Corporate pension

The Retirement Plan of Pathfinder Bank

Corporate pensionOswego, NY
Assets
$18.7M
Total assets, Sep 30, 2025 reported
Funded
141.7%
Oct 1, 2024
Private markets target
n/a
policy Sep 30, 2025
Commitments
0
1 managers on Schedule C
Plan sponsor: Pathfinder Bank
Allocation policy
Form 5500, as of Sep 30, 2025
Actual allocation lines without a target (as filed)
  • Interest-bearing cash 1.9%
  • Non-interest-bearing cash 0.2%
  • Corporate debt instruments (other) 10.5%
  • U.S. Government securities 38.1%
  • Registered investment companies 48.9%
Consultants and advisers
3 firms
People
No investment staff or executives have been read for this allocator yet.
Manager roster
1 managers on Schedule C
From Schedule C (investment management, code 28)
Commitments
No fund commitments are on the tape for this allocator. The tape holds the plans that publish their own private-markets reports; a plan that publishes one and is not here is a gap we can close.
Size and funding
33 readings
Total assets
$18.7M Sep 30, 2025 reported Form 5500
$18.1M (2024-09) · $16.0M (2023-09)
Plan assets
$18.1M Oct 1, 2024 reported Form 5500
$16.0M (2023-10) · $15.5M (2022-10)
Net assets
$18.7M Sep 30, 2025 reported Form 5500
$18.1M (2024-09) · $16.0M (2023-09)
Funded ratio
141.7% Oct 1, 2024 reported Form 5500
150.8% (2023-10) · 150.5% (2022-10)
Funding target
$9.9M Oct 1, 2024 reported Form 5500
$10.0M (2023-10) · $9.8M (2022-10)
Discount rate
5.37% Oct 1, 2024 reported Form 5500
5.28% (2023-10) · 5.46% (2022-10)
Participants
125 Oct 1, 2024 reported Form 5500
128 (2023-10) · 131 (2022-10)
Contributions
$0 Sep 30, 2025 reported Form 5500
$0 (2024-09) · $0 (2023-09)
Benefits paid
$463,281 Sep 30, 2025 reported Form 5500
$448,996 (2024-09) · $625,988 (2023-09)
Net investment income
$573,434 Sep 30, 2025 reported Form 5500
$2.2M (2024-09) · $500,085 (2023-09)
Investment management fees
$61,748 Sep 30, 2025 reported Form 5500
$58,971 (2024-09) · $91,395 (2023-09)
Form 5500 filings
3 plan years
Plan yearParticipantsAssets (SB market)Funding targetFTAPTotal assets (H)Partnerships / JVMaster trustReal estate
2024 to Sep 30, 2025125$18.1M$9.9M141.7%$18.7Mn/an/an/a
2023 to Sep 30, 2024128$16.0M$10.0M150.8%$18.1Mn/an/an/a
2022 to Sep 30, 2023131$15.5M$9.8M150.5%$16.0Mn/an/an/a
Service providers and investment entities as filed (Schedule C and D, latest year first)
What changed
4 events
  • Oct 1, 2024Funded status changed
    The Retirement Plan of Pathfinder Bank funded ratio 150.8% -> 141.7% (2023-10-01 to 2024-10-01)
  • Oct 1, 2024Assets changed
    The Retirement Plan of Pathfinder Bank plan assets $16M -> $18M (+13.7%, 2023-10-01 to 2024-10-01)
  • Sep 30, 2024Assets changed
    The Retirement Plan of Pathfinder Bank total assets $16M -> $18M (+13.7%, 2023-09-30 to 2024-09-30)
  • Dec 31, 2023Manager relationship started
    Nottingham Advisors, Inc. appears on The Retirement Plan of Pathfinder Bank's Schedule C as investment manager (plan year 2023 vs 2022)
    with Nottingham Advisorsaskebsa.dol.gov
Board record: approvals, recommendations, searches, terminations and re-up prospects for this system.
Provenance
Identifiers: EIN-PN 150408130-001
Cross-graph: no entry on another DFX graph
First observed Sep 15, 2026, last observed Sep 15, 2026. Classification confirmed. Every row above carries its source; a reported figure is the subject’s own, a derived one is arithmetic on reported figures, an estimated one is a model or a survey imputation and is never summed into a headline.