Tompkins Trust Company

75 Plan:

100

For the average 401k participant, the 14 point difference between this plan's BrightScope Rating (75) and the top rated plan (89) could equate to:
[How is this calculated?]

9 additional years of work

Up to $105,100 in lost retirement savings.

The delay in retirement calculations apply solely to this defined contribution plan and do not take into account other retirement plans and programs offered by this employer.

Retirement Plan Description

Tompkins Financial Corporation Investment and Stock Ownership Plan is a defined contribution plan with a profit-sharing component and 401k feature. This plan has a BrightScope Rating of 75. This plan is in the top 15% of plans for Participation Rate. Tompkins Financial Corporation Investment and Stock Ownership Plan currently has over 800 active participants and over $44.1M in plan assets.

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Personal Fee Report

Investment Menu Statistics

No. of Investment Options

Plan Average: 24

Top 3 Funds in this 401k

1.	American Funds EuroPacific Growth	17%
2.	Prudential Guaranteed Income Fund	16%
3.	Tompkins Financial Corporation Common Stock	13%

Plan Component Ratings

Total Plan Cost Low Fees

Company Generosity Average

Design Components

Participation Rate Great

Salary Deferrals Above Average

Account Balances Above Average

Performance Components

Retirement Plan Details

Address	P.O. Box 460 121 East Seneca Street Ithaca, NY 14851-0460
Industry	Commercial Banking
Administrator	Cindy Cute
Net Plan Assets	$44,100,000
Total Participants	810
Avg Account Balance	$54,000