Department of Labor filing

ORANGE COUNTY BANCORP INC.

ORANGE COUNTY BANCORP INC. EMPLOYEE STOCK OWNERSHIP AND SAVINGS PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Jul 30, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

74filing comparison
out of 100

The filing looks somewhat better than typical peers on the measures we can compare. This is a filing comparison, not a complete benefits score.

$Employer support

$4,830

Reported employer contributions per active participant.

Higher than about 76% of comparable plans

#People in the filing

241

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$99 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 71% of comparable plans

↗Investment performance

Not available

Plan assets changed 7.5%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202474out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions76th percentileTypical peer $3,279 · based on 1,427 comparable plans

Lower reported administrative expense71st percentileTypical peer $184 · based on 1,443 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, ORANGE COUNTY BANCORP INC. reported $1,164,137 in employer contributions across the plan and 241 active participants. That works out to $4,830 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy97%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendDown 10.9%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 29.2%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context74/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $1,164,137
Participant contributions: $1,656,765
Other contributions: $122,821
Employer share of reported contributions: 41.3%
Beginning assets: $29,515,896
Ending assets: $31,728,476
Ending net assets: $31,728,476
Ending liabilities: $0
Total income: $6,355,621
Total expenses: $4,143,041
Administrative expenses: $28,845
Participant loans: $466,401

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$5,422

2023

$5,275

2024

$4,830

Plan-paid administrative expenses per participant

2022

$141

2023

$130

2024

$99

Active participants

2022

186

2023

210

2024

241

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$4,830	241	31.7M	20250730130803NAL0006705184001
2023	$5,275	210	29.5M	20240731152733NAL0021794273001
2022	$5,422	186	23.6M	20230728100939NAL0013388609001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.5%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 261135778-004

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1993
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2H2J2O2T

Current plan terms

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Filing ACK_ID20250730130803NAL0006705184001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗