401k Plan data: FINANCIAL INSTITUTIONS, INC. 401K PLAN plan

FINANCIAL INSTITUTIONS, INC. 401K PLAN 401k Plan overview

Plan Name	FINANCIAL INSTITUTIONS, INC. 401K PLAN
Plan identification number	002

FINANCIAL INSTITUTIONS, INC. 401K PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

401k Sponsoring company profile

FINANCIAL INSTITUTIONS, INC. has sponsored the creation of one or more 401k plans.

Company Name: FINANCIAL INSTITUTIONS, INC.

Employer identification number (EIN): 160816610

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about FINANCIAL INSTITUTIONS, INC.

Jurisdiction of Incorporation: New York Department of State

Incorporation Date: 1931-09-15

Company Identification Number: 41309

Legal Registered Office Address: 220 LIBERTY ST
Wyoming
WARSAW
United States of America (USA)
14569

More information about FINANCIAL INSTITUTIONS, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FINANCIAL INSTITUTIONS, INC. 401K PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2022-01-01
002 2021-01-01
002 2020-01-01
002 2019-01-01
002 2018-01-01
002 2017-01-01 PAULA DOLAN PAULA DOLAN 2018-07-24
002 2016-01-01 PAULA DOLAN PAULA DOLAN 2017-07-23
002 2015-01-01 PAULA DOLAN PAULA DOLAN 2016-07-11
002 2014-01-01 PAULA DOLAN PAULA DOLAN 2015-07-06
002 2013-01-01 PAULA DOLAN PAULA DOLAN 2014-07-01
002 2012-01-01 MARTIN BIRMINGHAM
002 2011-01-01 KARL KREBS KARL KREBS 2012-07-16
002 2010-01-01 KARL KREBS KARL KREBS 2011-06-30
002 2009-01-01 PETER HUMPHREY KARL KREBS 2010-07-20

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
002	2022-01-01
002	2021-01-01
002	2020-01-01
002	2019-01-01
002	2018-01-01
002	2017-01-01	PAULA DOLAN	PAULA DOLAN	2018-07-24
002	2016-01-01	PAULA DOLAN	PAULA DOLAN	2017-07-23
002	2015-01-01	PAULA DOLAN	PAULA DOLAN	2016-07-11
002	2014-01-01	PAULA DOLAN	PAULA DOLAN	2015-07-06
002	2013-01-01	PAULA DOLAN	PAULA DOLAN	2014-07-01
002	2012-01-01	MARTIN BIRMINGHAM
002	2011-01-01	KARL KREBS	KARL KREBS	2012-07-16
002	2010-01-01	KARL KREBS	KARL KREBS	2011-06-30
002	2009-01-01	PETER HUMPHREY	KARL KREBS	2010-07-20

Plan Statistics for FINANCIAL INSTITUTIONS, INC. 401K PLAN

401k plan membership statisitcs for FINANCIAL INSTITUTIONS, INC. 401K PLAN

Measure Date Value
2022: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 831
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 650
Number of retired or separated participants receiving benefits 2022-01-01 17
Number of other retired or separated participants entitled to future benefits 2022-01-01 224
Total of all active and inactive participants 2022-01-01 891
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 3
Total participants 2022-01-01 894
Number of participants with account balances 2022-01-01 876
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 826
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 602
Number of retired or separated participants receiving benefits 2021-01-01 13
Number of other retired or separated participants entitled to future benefits 2021-01-01 214
Total of all active and inactive participants 2021-01-01 829
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 2
Total participants 2021-01-01 831
Number of participants with account balances 2021-01-01 814
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 911
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 625
Number of retired or separated participants receiving benefits 2020-01-01 10
Number of other retired or separated participants entitled to future benefits 2020-01-01 189
Total of all active and inactive participants 2020-01-01 824
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 2
Total participants 2020-01-01 826
Number of participants with account balances 2020-01-01 798
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 977
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 715
Number of retired or separated participants receiving benefits 2019-01-01 11
Number of other retired or separated participants entitled to future benefits 2019-01-01 183
Total of all active and inactive participants 2019-01-01 909
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 2
Total participants 2019-01-01 911
Number of participants with account balances 2019-01-01 872
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 917
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 734
Number of retired or separated participants receiving benefits 2018-01-01 7
Number of other retired or separated participants entitled to future benefits 2018-01-01 232
Total of all active and inactive participants 2018-01-01 973
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 4
Total participants 2018-01-01 977
Number of participants with account balances 2018-01-01 917
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 895
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 656
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 257
Total of all active and inactive participants 2017-01-01 913
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 4
Total participants 2017-01-01 917
Number of participants with account balances 2017-01-01 873
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 21
2016: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 861
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 655
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 236
Total of all active and inactive participants 2016-01-01 891
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 4
Total participants 2016-01-01 895
Number of participants with account balances 2016-01-01 845
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 51
2015: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 795
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 683
Number of retired or separated participants receiving benefits 2015-01-01 1
Number of other retired or separated participants entitled to future benefits 2015-01-01 173
Total of all active and inactive participants 2015-01-01 857
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 4
Total participants 2015-01-01 861
Number of participants with account balances 2015-01-01 823
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 47
2014: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 763
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 613
Number of retired or separated participants receiving benefits 2014-01-01 1
Number of other retired or separated participants entitled to future benefits 2014-01-01 178
Total of all active and inactive participants 2014-01-01 792
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 3
Total participants 2014-01-01 795
Number of participants with account balances 2014-01-01 772
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 15
2013: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 778
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 612
Number of retired or separated participants receiving benefits 2013-01-01 1
Number of other retired or separated participants entitled to future benefits 2013-01-01 148
Total of all active and inactive participants 2013-01-01 761
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 2
Total participants 2013-01-01 763
Number of participants with account balances 2013-01-01 756
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 5
2012: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 808
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 632
Number of retired or separated participants receiving benefits 2012-01-01 1
Number of other retired or separated participants entitled to future benefits 2012-01-01 159
Total of all active and inactive participants 2012-01-01 792
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 792
Number of participants with account balances 2012-01-01 778
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 11
2011: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 758
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 610
Number of retired or separated participants receiving benefits 2011-01-01 2
Number of other retired or separated participants entitled to future benefits 2011-01-01 196
Total of all active and inactive participants 2011-01-01 808
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 808
Number of participants with account balances 2011-01-01 760
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 27
2010: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 747
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 586
Number of retired or separated participants receiving benefits 2010-01-01 2
Number of other retired or separated participants entitled to future benefits 2010-01-01 170
Total of all active and inactive participants 2010-01-01 758
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 758
Number of participants with account balances 2010-01-01 748
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 34
2009: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 772
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 616
Number of retired or separated participants receiving benefits 2009-01-01 2
Number of other retired or separated participants entitled to future benefits 2009-01-01 129
Total of all active and inactive participants 2009-01-01 747
Total participants 2009-01-01 747
Number of participants with account balances 2009-01-01 694
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 14

Measure	Date	Value
2022: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	831
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	650
Number of retired or separated participants receiving benefits	2022-01-01	17
Number of other retired or separated participants entitled to future benefits	2022-01-01	224
Total of all active and inactive participants	2022-01-01	891
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	3
Total participants	2022-01-01	894
Number of participants with account balances	2022-01-01	876
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	826
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	602
Number of retired or separated participants receiving benefits	2021-01-01	13
Number of other retired or separated participants entitled to future benefits	2021-01-01	214
Total of all active and inactive participants	2021-01-01	829
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	2
Total participants	2021-01-01	831
Number of participants with account balances	2021-01-01	814
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	911
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	625
Number of retired or separated participants receiving benefits	2020-01-01	10
Number of other retired or separated participants entitled to future benefits	2020-01-01	189
Total of all active and inactive participants	2020-01-01	824
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	2
Total participants	2020-01-01	826
Number of participants with account balances	2020-01-01	798
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	977
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	715
Number of retired or separated participants receiving benefits	2019-01-01	11
Number of other retired or separated participants entitled to future benefits	2019-01-01	183
Total of all active and inactive participants	2019-01-01	909
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	2
Total participants	2019-01-01	911
Number of participants with account balances	2019-01-01	872
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	917
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	734
Number of retired or separated participants receiving benefits	2018-01-01	7
Number of other retired or separated participants entitled to future benefits	2018-01-01	232
Total of all active and inactive participants	2018-01-01	973
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	4
Total participants	2018-01-01	977
Number of participants with account balances	2018-01-01	917
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	895
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	656
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	257
Total of all active and inactive participants	2017-01-01	913
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	4
Total participants	2017-01-01	917
Number of participants with account balances	2017-01-01	873
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	21
2016: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	861
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	655
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	236
Total of all active and inactive participants	2016-01-01	891
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	4
Total participants	2016-01-01	895
Number of participants with account balances	2016-01-01	845
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	51
2015: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	795
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	683
Number of retired or separated participants receiving benefits	2015-01-01	1
Number of other retired or separated participants entitled to future benefits	2015-01-01	173
Total of all active and inactive participants	2015-01-01	857
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	4
Total participants	2015-01-01	861
Number of participants with account balances	2015-01-01	823
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	47
2014: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	763
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	613
Number of retired or separated participants receiving benefits	2014-01-01	1
Number of other retired or separated participants entitled to future benefits	2014-01-01	178
Total of all active and inactive participants	2014-01-01	792
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	3
Total participants	2014-01-01	795
Number of participants with account balances	2014-01-01	772
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	15
2013: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	778
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	612
Number of retired or separated participants receiving benefits	2013-01-01	1
Number of other retired or separated participants entitled to future benefits	2013-01-01	148
Total of all active and inactive participants	2013-01-01	761
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	2
Total participants	2013-01-01	763
Number of participants with account balances	2013-01-01	756
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	5
2012: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	808
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	632
Number of retired or separated participants receiving benefits	2012-01-01	1
Number of other retired or separated participants entitled to future benefits	2012-01-01	159
Total of all active and inactive participants	2012-01-01	792
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	792
Number of participants with account balances	2012-01-01	778
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	11
2011: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	758
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	610
Number of retired or separated participants receiving benefits	2011-01-01	2
Number of other retired or separated participants entitled to future benefits	2011-01-01	196
Total of all active and inactive participants	2011-01-01	808
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	808
Number of participants with account balances	2011-01-01	760
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	27
2010: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	747
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	586
Number of retired or separated participants receiving benefits	2010-01-01	2
Number of other retired or separated participants entitled to future benefits	2010-01-01	170
Total of all active and inactive participants	2010-01-01	758
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	758
Number of participants with account balances	2010-01-01	748
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	34
2009: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	772
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	616
Number of retired or separated participants receiving benefits	2009-01-01	2
Number of other retired or separated participants entitled to future benefits	2009-01-01	129
Total of all active and inactive participants	2009-01-01	747
Total participants	2009-01-01	747
Number of participants with account balances	2009-01-01	694
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	14

Financial Data on FINANCIAL INSTITUTIONS, INC. 401K PLAN

Measure	Date	Value
2022 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2022 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2022-12-31	$-510,244
Total unrealized appreciation/depreciation of assets	2022-12-31	$-510,244
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-4,928,460
Total loss/gain on sale of assets	2022-12-31	$-21,490
Total of all expenses incurred	2022-12-31	$5,897,984
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$5,824,342
Value of total corrective distributions	2022-12-31	$6,200
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$5,316,801
Value of total assets at end of year	2022-12-31	$56,552,136
Value of total assets at beginning of year	2022-12-31	$67,378,580
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$67,442
Total interest from all sources	2022-12-31	$45,801
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$2,068,885
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$1,986,904
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$4,170,933
Participant contributions at end of year	2022-12-31	$803,765
Participant contributions at beginning of year	2022-12-31	$779,148
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$1,145,868
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2022-12-31	$8,049
Other income not declared elsewhere	2022-12-31	$5,292
Administrative expenses (other) incurred	2022-12-31	$67,442
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-10,826,444
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$56,552,136
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$67,378,580
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$50,006,480
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$60,482,608
Interest on participant loans	2022-12-31	$45,801
Value of interest in common/collective trusts at end of year	2022-12-31	$3,902,481
Value of interest in common/collective trusts at beginning of year	2022-12-31	$3,768,257
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$57,002
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$35,915
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$35,915
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-11,894,424
Net investment gain or loss from common/collective trusts	2022-12-31	$60,919
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Assets. Invements in employer securities at end of year	2022-12-31	$1,782,408
Assets. Invements in employer securities at beginning of year	2022-12-31	$2,312,652
Income. Dividends from common stock	2022-12-31	$81,981
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$5,816,293
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Aggregate proceeds on sale of assets	2022-12-31	$212,663
Aggregate carrying amount (costs) on sale of assets	2022-12-31	$234,153
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	MENGEL, METZGER, BARR & CO LLP
Accountancy firm EIN	2022-12-31	161092347
2021 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2021 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2021-12-31	$629,711
Total unrealized appreciation/depreciation of assets	2021-12-31	$629,711
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$12,072,412
Total loss/gain on sale of assets	2021-12-31	$52,023
Total of all expenses incurred	2021-12-31	$3,803,305
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$3,687,610
Value of total corrective distributions	2021-12-31	$51,736
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$4,574,962
Value of total assets at end of year	2021-12-31	$67,378,580
Value of total assets at beginning of year	2021-12-31	$59,109,473
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$63,959
Total interest from all sources	2021-12-31	$45,237
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$1,704,976
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$1,627,955
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$3,815,790
Participant contributions at end of year	2021-12-31	$779,148
Participant contributions at beginning of year	2021-12-31	$764,832
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$738,094
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2021-12-31	$1,063
Other income not declared elsewhere	2021-12-31	$8,667
Administrative expenses (other) incurred	2021-12-31	$63,959
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$8,269,107
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$67,378,580
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$59,109,473
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$60,482,608
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$52,838,432
Interest on participant loans	2021-12-31	$45,237
Value of interest in common/collective trusts at end of year	2021-12-31	$3,768,257
Value of interest in common/collective trusts at beginning of year	2021-12-31	$3,807,960
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$35,915
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$68,383
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$68,383
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$5,001,746
Net investment gain or loss from common/collective trusts	2021-12-31	$55,090
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Assets. Invements in employer securities at end of year	2021-12-31	$2,312,652
Assets. Invements in employer securities at beginning of year	2021-12-31	$1,629,866
Contributions received in cash from employer	2021-12-31	$21,078
Income. Dividends from common stock	2021-12-31	$77,021
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$3,686,547
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Aggregate proceeds on sale of assets	2021-12-31	$232,871
Aggregate carrying amount (costs) on sale of assets	2021-12-31	$180,848
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	MENGEL, METZGER, BARR & CO LLP
Accountancy firm EIN	2021-12-31	161092347
2020 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2020 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2020-12-31	$-578,164
Total unrealized appreciation/depreciation of assets	2020-12-31	$-578,164
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$10,068,738
Total loss/gain on sale of assets	2020-12-31	$-140,107
Total of all expenses incurred	2020-12-31	$3,389,091
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$3,318,630
Value of total corrective distributions	2020-12-31	$2,382
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$3,795,155
Value of total assets at end of year	2020-12-31	$59,109,473
Value of total assets at beginning of year	2020-12-31	$52,429,826
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$68,079
Total interest from all sources	2020-12-31	$59,187
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$1,138,684
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$1,061,451
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$3,526,126
Participant contributions at end of year	2020-12-31	$764,832
Participant contributions at beginning of year	2020-12-31	$911,274
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$269,029
Other income not declared elsewhere	2020-12-31	$1,908
Administrative expenses (other) incurred	2020-12-31	$68,079
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$6,679,647
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$59,109,473
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$52,429,826
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$52,838,432
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$45,447,510
Interest on participant loans	2020-12-31	$59,187
Value of interest in common/collective trusts at end of year	2020-12-31	$3,807,960
Value of interest in common/collective trusts at beginning of year	2020-12-31	$3,697,700
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$68,383
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$54,343
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$54,343
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$5,705,765
Net investment gain or loss from common/collective trusts	2020-12-31	$86,310
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Assets. Invements in employer securities at end of year	2020-12-31	$1,629,866
Assets. Invements in employer securities at beginning of year	2020-12-31	$2,318,999
Income. Dividends from common stock	2020-12-31	$77,233
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$3,318,630
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Aggregate proceeds on sale of assets	2020-12-31	$160,410
Aggregate carrying amount (costs) on sale of assets	2020-12-31	$300,517
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	MENGEL, METZGER, BARR & CO LLP
Accountancy firm EIN	2020-12-31	161092347
2019 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2019 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2019-12-31	$440,049
Total unrealized appreciation/depreciation of assets	2019-12-31	$440,049
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$12,160,626
Total loss/gain on sale of assets	2019-12-31	$42,246
Total of all expenses incurred	2019-12-31	$4,246,195
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$4,191,641
Value of total corrective distributions	2019-12-31	$3,220
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$3,581,663
Value of total assets at end of year	2019-12-31	$52,429,826
Value of total assets at beginning of year	2019-12-31	$44,515,395
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$51,334
Total interest from all sources	2019-12-31	$56,855
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$1,172,798
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$1,098,521
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$3,143,772
Participant contributions at end of year	2019-12-31	$911,274
Participant contributions at beginning of year	2019-12-31	$793,491
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$437,891
Other income not declared elsewhere	2019-12-31	$4,003
Administrative expenses (other) incurred	2019-12-31	$51,334
Total non interest bearing cash at end of year	2019-12-31	$0
Total non interest bearing cash at beginning of year	2019-12-31	$24,909
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$7,914,431
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$52,429,826
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$44,515,395
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$45,447,510
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$37,667,328
Interest on participant loans	2019-12-31	$56,855
Value of interest in common/collective trusts at end of year	2019-12-31	$3,697,700
Value of interest in common/collective trusts at beginning of year	2019-12-31	$3,985,548
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$54,343
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$2,400
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$2,400
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$6,894,842
Net investment gain or loss from common/collective trusts	2019-12-31	$-31,830
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Assets. Invements in employer securities at end of year	2019-12-31	$2,318,999
Assets. Invements in employer securities at beginning of year	2019-12-31	$2,041,719
Income. Dividends from common stock	2019-12-31	$74,277
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$4,191,641
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Aggregate proceeds on sale of assets	2019-12-31	$453,672
Aggregate carrying amount (costs) on sale of assets	2019-12-31	$411,426
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	No
Opinion of an independent qualified public accountant for this plan	2019-12-31	Unqualified
Accountancy firm name	2019-12-31	MENGEL, METZGER, BARR & CO LLP
Accountancy firm EIN	2019-12-31	161092347
2018 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$-341,324
Total unrealized appreciation/depreciation of assets	2018-12-31	$-341,324
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$2,381,036
Total loss/gain on sale of assets	2018-12-31	$100,510
Total of all expenses incurred	2018-12-31	$4,585,160
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$4,483,527
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$3,208,737
Value of total assets at end of year	2018-12-31	$44,515,395
Value of total assets at beginning of year	2018-12-31	$46,719,519
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$101,633
Total interest from all sources	2018-12-31	$43,539
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$1,397,164
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$1,322,601
Administrative expenses professional fees incurred	2018-12-31	$101,633
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$2,819,224
Participant contributions at end of year	2018-12-31	$793,491
Participant contributions at beginning of year	2018-12-31	$912,736
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$389,513
Total non interest bearing cash at end of year	2018-12-31	$24,909
Total non interest bearing cash at beginning of year	2018-12-31	$40,901
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-2,204,124
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$44,515,395
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$46,719,519
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$37,667,328
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$38,499,133
Interest on participant loans	2018-12-31	$43,539
Value of interest in common/collective trusts at end of year	2018-12-31	$3,985,548
Value of interest in common/collective trusts at beginning of year	2018-12-31	$3,952,502
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$2,400
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$923,466
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$923,466
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-2,154,883
Net investment gain or loss from common/collective trusts	2018-12-31	$127,293
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Assets. Invements in employer securities at end of year	2018-12-31	$2,041,719
Assets. Invements in employer securities at beginning of year	2018-12-31	$2,390,781
Income. Dividends from common stock	2018-12-31	$74,563
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$4,483,527
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2018-12-31	Yes
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Aggregate proceeds on sale of assets	2018-12-31	$353,279
Aggregate carrying amount (costs) on sale of assets	2018-12-31	$252,769
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	No
Opinion of an independent qualified public accountant for this plan	2018-12-31	Unqualified
Accountancy firm name	2018-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2018-12-31	161131146
2017 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$-218,720
Total unrealized appreciation/depreciation of assets	2017-12-31	$-218,720
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$9,563,695
Total loss/gain on sale of assets	2017-12-31	$154,664
Total of all expenses incurred	2017-12-31	$6,570,294
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$6,431,834
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$3,161,713
Value of total assets at end of year	2017-12-31	$46,719,519
Value of total assets at beginning of year	2017-12-31	$43,726,118
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$138,460
Total interest from all sources	2017-12-31	$48,655
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$1,951,810
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$1,884,384
Administrative expenses professional fees incurred	2017-12-31	$138,460
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$2,490,707
Participant contributions at end of year	2017-12-31	$912,736
Participant contributions at beginning of year	2017-12-31	$941,433
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$671,006
Total non interest bearing cash at end of year	2017-12-31	$40,901
Total non interest bearing cash at beginning of year	2017-12-31	$21,043
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$2,993,401
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$46,719,519
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$43,726,118
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$38,499,133
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$34,258,631
Interest on participant loans	2017-12-31	$48,655
Value of interest in common/collective trusts at end of year	2017-12-31	$3,952,502
Value of interest in common/collective trusts at beginning of year	2017-12-31	$4,428,284
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$923,466
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$1,328,278
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$1,328,278
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$3,968,622
Net investment gain or loss from common/collective trusts	2017-12-31	$496,951
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$2,390,781
Assets. Invements in employer securities at beginning of year	2017-12-31	$2,748,449
Income. Dividends from common stock	2017-12-31	$67,426
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$6,431,834
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Aggregate proceeds on sale of assets	2017-12-31	$364,343
Aggregate carrying amount (costs) on sale of assets	2017-12-31	$209,679
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	No
Opinion of an independent qualified public accountant for this plan	2017-12-31	Unqualified
Accountancy firm name	2017-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2017-12-31	161131146
2016 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$502,627
Total unrealized appreciation/depreciation of assets	2016-12-31	$502,627
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$5,992,552
Total loss/gain on sale of assets	2016-12-31	$362,162
Total of all expenses incurred	2016-12-31	$3,879,128
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$3,783,305
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$2,544,328
Value of total assets at end of year	2016-12-31	$43,726,118
Value of total assets at beginning of year	2016-12-31	$41,612,694
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$95,823
Total interest from all sources	2016-12-31	$53,894
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$1,421,038
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$1,349,747
Administrative expenses professional fees incurred	2016-12-31	$95,823
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$2,471,842
Participant contributions at end of year	2016-12-31	$941,433
Participant contributions at beginning of year	2016-12-31	$1,063,468
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$72,486
Total non interest bearing cash at end of year	2016-12-31	$21,043
Total non interest bearing cash at beginning of year	2016-12-31	$25,141
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$2,113,424
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$43,726,118
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$41,612,694
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$34,258,631
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$33,552,254
Interest on participant loans	2016-12-31	$53,894
Value of interest in common/collective trusts at end of year	2016-12-31	$4,428,284
Value of interest in common/collective trusts at beginning of year	2016-12-31	$3,961,655
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$1,328,278
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$455,428
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$455,428
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$1,061,996
Net investment gain or loss from common/collective trusts	2016-12-31	$46,507
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$2,748,449
Assets. Invements in employer securities at beginning of year	2016-12-31	$2,554,748
Contributions received in cash from employer	2016-12-31	$0
Income. Dividends from common stock	2016-12-31	$71,291
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$3,783,305
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Aggregate proceeds on sale of assets	2016-12-31	$632,061
Aggregate carrying amount (costs) on sale of assets	2016-12-31	$269,899
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2016-12-31	161131146
2015 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2015 401k financial data
Unrealized appreciation/depreciation of real estate assets	2015-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$276,016
Total unrealized appreciation/depreciation of assets	2015-12-31	$276,016
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$11,009
Total income from all sources (including contributions)	2015-12-31	$4,424,445
Total loss/gain on sale of assets	2015-12-31	$-13,561
Total of all expenses incurred	2015-12-31	$3,760,530
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$3,718,060
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$3,751,976
Value of total assets at end of year	2015-12-31	$41,612,694
Value of total assets at beginning of year	2015-12-31	$40,959,788
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$42,470
Total interest from all sources	2015-12-31	$52,611
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$1,635,960
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$1,564,669
Administrative expenses professional fees incurred	2015-12-31	$42,470
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$2,301,856
Participant contributions at end of year	2015-12-31	$1,063,468
Participant contributions at beginning of year	2015-12-31	$943,740
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$172,427
Liabilities. Value of operating payables at beginning of year	2015-12-31	$11,009
Total non interest bearing cash at end of year	2015-12-31	$25,141
Total non interest bearing cash at beginning of year	2015-12-31	$381,222
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$663,915
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$41,612,694
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$40,948,779
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$33,552,254
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$33,320,500
Interest on participant loans	2015-12-31	$52,611
Value of interest in common/collective trusts at end of year	2015-12-31	$3,961,655
Value of interest in common/collective trusts at beginning of year	2015-12-31	$3,818,655
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$455,428
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$327,313
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$327,313
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-1,482,635
Net investment gain or loss from common/collective trusts	2015-12-31	$204,078
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$2,554,748
Assets. Invements in employer securities at beginning of year	2015-12-31	$2,168,358
Contributions received in cash from employer	2015-12-31	$1,277,693
Income. Dividends from common stock	2015-12-31	$71,291
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$3,718,060
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Aggregate proceeds on sale of assets	2015-12-31	$258,565
Aggregate carrying amount (costs) on sale of assets	2015-12-31	$272,126
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2015-12-31	161131146
2014 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$81,073
Total unrealized appreciation/depreciation of assets	2014-12-31	$81,073
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$11,009
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$2,817
Total income from all sources (including contributions)	2014-12-31	$6,810,555
Total loss/gain on sale of assets	2014-12-31	$-52,494
Total of all expenses incurred	2014-12-31	$5,041,096
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$4,997,547
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$4,271,711
Value of total assets at end of year	2014-12-31	$40,959,788
Value of total assets at beginning of year	2014-12-31	$39,182,137
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$43,549
Total interest from all sources	2014-12-31	$48,862
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$1,568,845
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$1,504,742
Administrative expenses professional fees incurred	2014-12-31	$43,549
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$2,024,470
Participant contributions at end of year	2014-12-31	$943,740
Participant contributions at beginning of year	2014-12-31	$842,897
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$1,120,866
Liabilities. Value of operating payables at end of year	2014-12-31	$11,009
Liabilities. Value of operating payables at beginning of year	2014-12-31	$2,796
Total non interest bearing cash at end of year	2014-12-31	$381,222
Total non interest bearing cash at beginning of year	2014-12-31	$13,756
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$1,769,459
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$40,948,779
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$39,179,320
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$33,320,500
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$32,065,105
Interest on participant loans	2014-12-31	$48,813
Interest earned on other investments	2014-12-31	$0
Value of interest in common/collective trusts at end of year	2014-12-31	$3,818,655
Value of interest in common/collective trusts at beginning of year	2014-12-31	$3,478,482
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$327,313
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$718,118
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$718,118
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$49
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$679,306
Net investment gain or loss from common/collective trusts	2014-12-31	$213,252
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$2,168,358
Assets. Invements in employer securities at beginning of year	2014-12-31	$2,063,779
Contributions received in cash from employer	2014-12-31	$1,126,375
Income. Dividends from common stock	2014-12-31	$64,103
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$4,997,547
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Aggregate proceeds on sale of assets	2014-12-31	$275,475
Aggregate carrying amount (costs) on sale of assets	2014-12-31	$327,969
Liabilities. Value of acquisition indebtedness at beginning of year	2014-12-31	$21
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2014-12-31	161131146
2013 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$488,356
Total unrealized appreciation/depreciation of assets	2013-12-31	$488,356
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$2,817
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$10,324
Total income from all sources (including contributions)	2013-12-31	$9,720,788
Total loss/gain on sale of assets	2013-12-31	$10,513
Total of all expenses incurred	2013-12-31	$2,289,112
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$2,255,809
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$3,217,339
Value of total assets at end of year	2013-12-31	$39,182,137
Value of total assets at beginning of year	2013-12-31	$31,757,968
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$33,303
Total interest from all sources	2013-12-31	$39,170
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$1,116,492
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$1,060,078
Administrative expenses professional fees incurred	2013-12-31	$33,303
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$1,960,882
Participant contributions at end of year	2013-12-31	$842,897
Participant contributions at beginning of year	2013-12-31	$840,392
Participant contributions at beginning of year	2013-12-31	$87
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$171,170
Liabilities. Value of operating payables at end of year	2013-12-31	$2,796
Liabilities. Value of operating payables at beginning of year	2013-12-31	$10,235
Total non interest bearing cash at end of year	2013-12-31	$13,756
Total non interest bearing cash at beginning of year	2013-12-31	$116,892
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$7,431,676
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$39,179,320
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$31,747,644
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$32,065,105
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$25,121,526
Interest on participant loans	2013-12-31	$39,105
Value of interest in common/collective trusts at end of year	2013-12-31	$3,478,482
Value of interest in common/collective trusts at beginning of year	2013-12-31	$3,695,640
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$718,118
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$554,405
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$554,405
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$65
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$4,821,614
Net investment gain or loss from common/collective trusts	2013-12-31	$27,304
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$2,063,779
Assets. Invements in employer securities at beginning of year	2013-12-31	$1,428,939
Contributions received in cash from employer	2013-12-31	$1,085,287
Employer contributions (assets) at beginning of year	2013-12-31	$87
Income. Dividends from common stock	2013-12-31	$56,414
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$2,255,809
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	No
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$0
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$202,103
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$191,590
Liabilities. Value of acquisition indebtedness at end of year	2013-12-31	$21
Liabilities. Value of acquisition indebtedness at beginning of year	2013-12-31	$89
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	BONADIO & CO, LLP
Accountancy firm EIN	2013-12-31	161131146
2012 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$165,338
Total unrealized appreciation/depreciation of assets	2012-12-31	$165,338
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$10,324
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$6,745,327
Total loss/gain on sale of assets	2012-12-31	$-3,853
Total of all expenses incurred	2012-12-31	$2,916,166
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$2,886,480
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$3,396,595
Value of total assets at end of year	2012-12-31	$31,757,968
Value of total assets at beginning of year	2012-12-31	$27,918,483
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$29,686
Total interest from all sources	2012-12-31	$44,691
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$832,418
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$796,345
Administrative expenses professional fees incurred	2012-12-31	$29,686
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$1,957,423
Participant contributions at end of year	2012-12-31	$840,392
Participant contributions at beginning of year	2012-12-31	$806,514
Participant contributions at end of year	2012-12-31	$87
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$393,943
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$0
Liabilities. Value of operating payables at end of year	2012-12-31	$10,235
Total non interest bearing cash at end of year	2012-12-31	$116,892
Total non interest bearing cash at beginning of year	2012-12-31	$93,633
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$3,829,161
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$31,747,644
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$27,918,483
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$25,121,526
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$21,641,932
Interest on participant loans	2012-12-31	$44,691
Value of interest in common/collective trusts at end of year	2012-12-31	$3,695,640
Value of interest in common/collective trusts at beginning of year	2012-12-31	$3,776,597
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$554,405
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$607,407
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$607,407
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$2,269,750
Net investment gain or loss from common/collective trusts	2012-12-31	$40,388
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$1,428,939
Assets. Invements in employer securities at beginning of year	2012-12-31	$992,400
Contributions received in cash from employer	2012-12-31	$1,045,229
Employer contributions (assets) at end of year	2012-12-31	$87
Income. Dividends from common stock	2012-12-31	$36,073
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$2,886,480
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2012-12-31	No
Liabilities. Value of benefit claims payable at end of year	2012-12-31	$0
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$229,029
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$232,882
Liabilities. Value of acquisition indebtedness at end of year	2012-12-31	$89
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	BONADIO & CO, LLP
Accountancy firm EIN	2012-12-31	161131146
2011 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2011 401k financial data
Unrealized appreciation/depreciation of real estate assets	2011-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-136,367
Total unrealized appreciation/depreciation of assets	2011-12-31	$-136,367
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$2,635,387
Total loss/gain on sale of assets	2011-12-31	$-22,339
Total of all expenses incurred	2011-12-31	$2,275,811
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$2,251,121
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$3,128,505
Value of total assets at end of year	2011-12-31	$27,918,483
Value of total assets at beginning of year	2011-12-31	$27,558,907
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$24,690
Total interest from all sources	2011-12-31	$43,746
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$514,804
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$488,893
Administrative expenses professional fees incurred	2011-12-31	$24,690
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$1,837,851
Participant contributions at end of year	2011-12-31	$806,514
Participant contributions at beginning of year	2011-12-31	$773,215
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$280,488
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$0
Total non interest bearing cash at end of year	2011-12-31	$93,633
Total non interest bearing cash at beginning of year	2011-12-31	$107,563
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$359,576
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$27,918,483
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$27,558,907
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$21,641,932
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$20,493,861
Interest on participant loans	2011-12-31	$43,697
Value of interest in common/collective trusts at end of year	2011-12-31	$3,776,597
Value of interest in common/collective trusts at beginning of year	2011-12-31	$4,599,476
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$607,407
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$476,052
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$476,052
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$49
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-968,850
Net investment gain/loss from pooled separate accounts	2011-12-31	$0
Net investment gain or loss from common/collective trusts	2011-12-31	$75,888
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$992,400
Assets. Invements in employer securities at beginning of year	2011-12-31	$1,108,740
Contributions received in cash from employer	2011-12-31	$1,010,166
Income. Dividends from common stock	2011-12-31	$25,911
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$2,251,121
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2011-12-31	No
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$286,109
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$308,448
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	BONADIO & CO, LLP
Accountancy firm EIN	2011-12-31	161131146
2010 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$366,347
Total unrealized appreciation/depreciation of assets	2010-12-31	$366,347
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$136,989
Total income from all sources (including contributions)	2010-12-31	$5,679,939
Total loss/gain on sale of assets	2010-12-31	$70,991
Total of all expenses incurred	2010-12-31	$1,158,784
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,118,925
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$2,760,148
Value of total assets at end of year	2010-12-31	$27,558,907
Value of total assets at beginning of year	2010-12-31	$23,174,741
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$39,859
Total interest from all sources	2010-12-31	$45,791
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$469,035
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$445,175
Administrative expenses professional fees incurred	2010-12-31	$39,859
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$1,726,663
Participant contributions at end of year	2010-12-31	$773,215
Participant contributions at beginning of year	2010-12-31	$722,037
Participant contributions at beginning of year	2010-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$97,318
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$136,989
Total non interest bearing cash at end of year	2010-12-31	$107,563
Total non interest bearing cash at beginning of year	2010-12-31	$84,342
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$4,521,155
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$27,558,907
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$23,037,752
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$20,493,861
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$16,859,445
Interest on participant loans	2010-12-31	$45,747
Value of interest in common/collective trusts at end of year	2010-12-31	$4,599,476
Value of interest in common/collective trusts at beginning of year	2010-12-31	$4,158,284
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$476,052
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$701,143
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$701,143
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$44
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$1,875,565
Net investment gain or loss from common/collective trusts	2010-12-31	$92,062
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$1,108,740
Assets. Invements in employer securities at beginning of year	2010-12-31	$649,490
Contributions received in cash from employer	2010-12-31	$936,167
Employer contributions (assets) at beginning of year	2010-12-31	$0
Income. Dividends from preferred stock	2010-12-31	$0
Income. Dividends from common stock	2010-12-31	$23,860
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,118,925
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2010-12-31	No
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$300,694
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$229,703
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	BONADIO & CO., LLP
Accountancy firm EIN	2010-12-31	161131146
2009 : FINANCIAL INSTITUTIONS, INC. 401K PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for FINANCIAL INSTITUTIONS, INC. 401K PLAN

2022: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: FINANCIAL INSTITUTIONS, INC. 401K PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	FINANCIAL INSTITUTIONS, INC.
Employer identification number (EIN):	160816610
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	New York Department of State
Incorporation Date:	1931-09-15
Company Identification Number:	41309
Legal Registered Office Address:	220 LIBERTY ST Wyoming WARSAW United States of America (USA) 14569