Civic Intelligence

Steven M. Lustig, CPA, Clu DBA Lustig Financial

Plan context: Lustig Financial Services Profit Sharing Plan

EIN 16-1378976 • Amherst, NY • 38 filings • 3 plans

300 Corporate Parkway, Ste 216NAmherst, NY 14226
Current Snapshot

Latest Year

2025

2025 Participants

5

2025 Assets

$15,235,854

2025 Contributions

$1,004,616

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$15,235,854$7,617,927$0199920122025YearValue
$15,235,854Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

630199920122025YearValue
5Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202515$15,235,854$1,004,616$200,923iApproximate average salary by contribution assumption: employee only about $5,023,080 at 4% or $3,348,720 at 6%; with 50% employer match about $3,348,720 at 4% or $2,232,480 at 6%; with 100% employer match about $2,511,540 at 4% or $1,674,360 at 6%.
Lustig Financial Services Profit Sharing Plan-5$15,235,854$1,004,616$200,923iApproximate average salary by contribution assumption: employee only about $5,023,080 at 4% or $3,348,720 at 6%; with 50% employer match about $3,348,720 at 4% or $2,232,480 at 6%; with 100% employer match about $2,511,540 at 4% or $1,674,360 at 6%.
202425$12,244,538$2,208,366$441,673iApproximate average salary by contribution assumption: employee only about $11,041,830 at 4% or $7,361,220 at 6%; with 50% employer match about $7,361,220 at 4% or $4,907,480 at 6%; with 100% employer match about $5,520,915 at 4% or $3,680,610 at 6%.
Lustig Financial Services Profit Sharing Plan-5$12,244,538$2,208,366$441,673iApproximate average salary by contribution assumption: employee only about $11,041,830 at 4% or $7,361,220 at 6%; with 50% employer match about $7,361,220 at 4% or $4,907,480 at 6%; with 100% employer match about $5,520,915 at 4% or $3,680,610 at 6%.
Lustig Financial Services Cash Balance Plan-0$0$0-
202325$10,188,884$291,145$58,229iApproximate average salary by contribution assumption: employee only about $1,455,725 at 4% or $970,483 at 6%; with 50% employer match about $970,483 at 4% or $646,989 at 6%; with 100% employer match about $727,863 at 4% or $485,242 at 6%.
Lustig Financial Services Profit Sharing Plan-5$8,121,111$74,777$14,955iApproximate average salary by contribution assumption: employee only about $373,885 at 4% or $249,257 at 6%; with 50% employer match about $249,257 at 4% or $166,171 at 6%; with 100% employer match about $186,943 at 4% or $124,628 at 6%.
Lustig Financial Services Cash Balance Plan-4$2,067,773$216,368$54,092iApproximate average salary by contribution assumption: employee only about $1,352,300 at 4% or $901,533 at 6%; with 50% employer match about $901,533 at 4% or $601,022 at 6%; with 100% employer match about $676,150 at 4% or $450,767 at 6%.
202225$7,122,720$294,688$58,938iApproximate average salary by contribution assumption: employee only about $1,473,440 at 4% or $982,293 at 6%; with 50% employer match about $982,293 at 4% or $654,862 at 6%; with 100% employer match about $736,720 at 4% or $491,147 at 6%.
Lustig Financial Services Profit Sharing Plan-5$5,795,833$89,764$17,953iApproximate average salary by contribution assumption: employee only about $448,820 at 4% or $299,213 at 6%; with 50% employer match about $299,213 at 4% or $199,476 at 6%; with 100% employer match about $224,410 at 4% or $149,607 at 6%.
Lustig Financial Services Cash Balance Plan-4$1,326,887$204,924$51,231iApproximate average salary by contribution assumption: employee only about $1,280,775 at 4% or $853,850 at 6%; with 50% employer match about $853,850 at 4% or $569,233 at 6%; with 100% employer match about $640,388 at 4% or $426,925 at 6%.
202125$10,210,422$472,425$94,485iApproximate average salary by contribution assumption: employee only about $2,362,125 at 4% or $1,574,750 at 6%; with 50% employer match about $1,574,750 at 4% or $1,049,833 at 6%; with 100% employer match about $1,181,063 at 4% or $787,375 at 6%.
Lustig Financial Services Profit Sharing Plan-5$8,517,141$84,256$16,851iApproximate average salary by contribution assumption: employee only about $421,280 at 4% or $280,853 at 6%; with 50% employer match about $280,853 at 4% or $187,236 at 6%; with 100% employer match about $210,640 at 4% or $140,427 at 6%.
Lustig Financial Services Cash Balance Plan-4$1,693,281$388,169$97,042iApproximate average salary by contribution assumption: employee only about $2,426,056 at 4% or $1,617,371 at 6%; with 50% employer match about $1,617,371 at 4% or $1,078,247 at 6%; with 100% employer match about $1,213,028 at 4% or $808,685 at 6%.
202025$8,733,281$242,879$48,576iApproximate average salary by contribution assumption: employee only about $1,214,395 at 4% or $809,597 at 6%; with 50% employer match about $809,597 at 4% or $539,731 at 6%; with 100% employer match about $607,198 at 4% or $404,798 at 6%.
Lustig Financial Services Profit Sharing Plan-5$7,564,679$85,193$17,039iApproximate average salary by contribution assumption: employee only about $425,965 at 4% or $283,977 at 6%; with 50% employer match about $283,977 at 4% or $189,318 at 6%; with 100% employer match about $212,982 at 4% or $141,988 at 6%.
Lustig Financial Services Cash Balance Plan-4$1,168,602$157,686$39,422iApproximate average salary by contribution assumption: employee only about $985,538 at 4% or $657,025 at 6%; with 50% employer match about $657,025 at 4% or $438,017 at 6%; with 100% employer match about $492,769 at 4% or $328,513 at 6%.
201926$6,085,832$424,467$70,745iApproximate average salary by contribution assumption: employee only about $1,768,613 at 4% or $1,179,075 at 6%; with 50% employer match about $1,179,075 at 4% or $786,050 at 6%; with 100% employer match about $884,306 at 4% or $589,538 at 6%.
Lustig Financial Services Profit Sharing Plan-6$5,372,501$69,760$11,627iApproximate average salary by contribution assumption: employee only about $290,667 at 4% or $193,778 at 6%; with 50% employer match about $193,778 at 4% or $129,185 at 6%; with 100% employer match about $145,333 at 4% or $96,889 at 6%.
Lustig Financial Services Cash Balance Plan-4$713,331$354,707$88,677iApproximate average salary by contribution assumption: employee only about $2,216,919 at 4% or $1,477,946 at 6%; with 50% employer match about $1,477,946 at 4% or $985,297 at 6%; with 100% employer match about $1,108,459 at 4% or $738,973 at 6%.
201826$4,145,931$1,229,293$204,882iApproximate average salary by contribution assumption: employee only about $5,122,054 at 4% or $3,414,703 at 6%; with 50% employer match about $3,414,703 at 4% or $2,276,469 at 6%; with 100% employer match about $2,561,027 at 4% or $1,707,351 at 6%.
Lustig Financial Services Profit Sharing Plan-6$3,886,156$1,100,023$183,337iApproximate average salary by contribution assumption: employee only about $4,583,429 at 4% or $3,055,619 at 6%; with 50% employer match about $3,055,619 at 4% or $2,037,080 at 6%; with 100% employer match about $2,291,715 at 4% or $1,527,810 at 6%.
Lustig Financial Services Cash Balance Plan-4$259,775$129,270$32,318iApproximate average salary by contribution assumption: employee only about $807,938 at 4% or $538,625 at 6%; with 50% employer match about $538,625 at 4% or $359,083 at 6%; with 100% employer match about $403,969 at 4% or $269,313 at 6%.
201726$3,125,572$218,857$36,476iApproximate average salary by contribution assumption: employee only about $911,904 at 4% or $607,936 at 6%; with 50% employer match about $607,936 at 4% or $405,291 at 6%; with 100% employer match about $455,952 at 4% or $303,968 at 6%.
Lustig Financial Services Profit Sharing Plan-6$2,979,742$76,422$12,737iApproximate average salary by contribution assumption: employee only about $318,425 at 4% or $212,283 at 6%; with 50% employer match about $212,283 at 4% or $141,522 at 6%; with 100% employer match about $159,213 at 4% or $106,142 at 6%.
Lustig Financial Services Cash Balance Plan-4$145,830$142,435$35,609iApproximate average salary by contribution assumption: employee only about $890,219 at 4% or $593,479 at 6%; with 50% employer match about $593,479 at 4% or $395,653 at 6%; with 100% employer match about $445,109 at 4% or $296,740 at 6%.
201616$2,211,872$106,323$17,721iApproximate average salary by contribution assumption: employee only about $443,013 at 4% or $295,342 at 6%; with 50% employer match about $295,342 at 4% or $196,894 at 6%; with 100% employer match about $221,506 at 4% or $147,671 at 6%.
Lustig Financial Services Profit Sharing Plan-6$2,211,872$106,323$17,721iApproximate average salary by contribution assumption: employee only about $443,013 at 4% or $295,342 at 6%; with 50% employer match about $295,342 at 4% or $196,894 at 6%; with 100% employer match about $221,506 at 4% or $147,671 at 6%.
201516$1,985,678$99,590$16,598iApproximate average salary by contribution assumption: employee only about $414,958 at 4% or $276,639 at 6%; with 50% employer match about $276,639 at 4% or $184,426 at 6%; with 100% employer match about $207,479 at 4% or $138,319 at 6%.
Lustig Financial Services Profit Sharing Plan-6$1,985,678$99,590$16,598iApproximate average salary by contribution assumption: employee only about $414,958 at 4% or $276,639 at 6%; with 50% employer match about $276,639 at 4% or $184,426 at 6%; with 100% employer match about $207,479 at 4% or $138,319 at 6%.
201414$1,810,074$105,880$26,470iApproximate average salary by contribution assumption: employee only about $661,750 at 4% or $441,167 at 6%; with 50% employer match about $441,167 at 4% or $294,111 at 6%; with 100% employer match about $330,875 at 4% or $220,583 at 6%.
Lustig Financial Services Profit Sharing Plan-4$1,810,074$105,880$26,470iApproximate average salary by contribution assumption: employee only about $661,750 at 4% or $441,167 at 6%; with 50% employer match about $441,167 at 4% or $294,111 at 6%; with 100% employer match about $330,875 at 4% or $220,583 at 6%.
201314$1,621,316$101,203$25,301iApproximate average salary by contribution assumption: employee only about $632,519 at 4% or $421,679 at 6%; with 50% employer match about $421,679 at 4% or $281,119 at 6%; with 100% employer match about $316,259 at 4% or $210,840 at 6%.
Lustig Financial Services Profit Sharing Plan-4$1,621,316$101,203$25,301iApproximate average salary by contribution assumption: employee only about $632,519 at 4% or $421,679 at 6%; with 50% employer match about $421,679 at 4% or $281,119 at 6%; with 100% employer match about $316,259 at 4% or $210,840 at 6%.
201214$1,143,557$98,997$24,749iApproximate average salary by contribution assumption: employee only about $618,731 at 4% or $412,488 at 6%; with 50% employer match about $412,488 at 4% or $274,992 at 6%; with 100% employer match about $309,366 at 4% or $206,244 at 6%.
Lustig Financial Services Profit Sharing Plan-4$1,143,557$98,997$24,749iApproximate average salary by contribution assumption: employee only about $618,731 at 4% or $412,488 at 6%; with 50% employer match about $412,488 at 4% or $274,992 at 6%; with 100% employer match about $309,366 at 4% or $206,244 at 6%.
201113$1,007,146$37,296$12,432iApproximate average salary by contribution assumption: employee only about $310,800 at 4% or $207,200 at 6%; with 50% employer match about $207,200 at 4% or $138,133 at 6%; with 100% employer match about $155,400 at 4% or $103,600 at 6%.
Lustig Financial Services Profit Sharing Plan-3$1,007,146$37,296$12,432iApproximate average salary by contribution assumption: employee only about $310,800 at 4% or $207,200 at 6%; with 50% employer match about $207,200 at 4% or $138,133 at 6%; with 100% employer match about $155,400 at 4% or $103,600 at 6%.
201013$1,186,830$36,185$12,062iApproximate average salary by contribution assumption: employee only about $301,542 at 4% or $201,028 at 6%; with 50% employer match about $201,028 at 4% or $134,019 at 6%; with 100% employer match about $150,771 at 4% or $100,514 at 6%.
Lustig Financial Services Profit Sharing Plan-3$1,186,830$36,185$12,062iApproximate average salary by contribution assumption: employee only about $301,542 at 4% or $201,028 at 6%; with 50% employer match about $201,028 at 4% or $134,019 at 6%; with 100% employer match about $150,771 at 4% or $100,514 at 6%.
200913$931,638$33,258$11,086iApproximate average salary by contribution assumption: employee only about $277,150 at 4% or $184,767 at 6%; with 50% employer match about $184,767 at 4% or $123,178 at 6%; with 100% employer match about $138,575 at 4% or $92,383 at 6%.
Lustig Financial Services Profit Sharing Plan-3$931,638$33,258$11,086iApproximate average salary by contribution assumption: employee only about $277,150 at 4% or $184,767 at 6%; with 50% employer match about $184,767 at 4% or $123,178 at 6%; with 100% employer match about $138,575 at 4% or $92,383 at 6%.
200813$679,736$32,324$10,775iApproximate average salary by contribution assumption: employee only about $269,367 at 4% or $179,578 at 6%; with 50% employer match about $179,578 at 4% or $119,719 at 6%; with 100% employer match about $134,683 at 4% or $89,789 at 6%.
Lustig Financial Services Profit Sharing Plan-3$679,736$32,324$10,775iApproximate average salary by contribution assumption: employee only about $269,367 at 4% or $179,578 at 6%; with 50% employer match about $179,578 at 4% or $119,719 at 6%; with 100% employer match about $134,683 at 4% or $89,789 at 6%.
200713$977,146$33,079$11,026iApproximate average salary by contribution assumption: employee only about $275,658 at 4% or $183,772 at 6%; with 50% employer match about $183,772 at 4% or $122,515 at 6%; with 100% employer match about $137,829 at 4% or $91,886 at 6%.
Lustig Financial Services Profit Sharing Plan-3$977,146$33,079$11,026iApproximate average salary by contribution assumption: employee only about $275,658 at 4% or $183,772 at 6%; with 50% employer match about $183,772 at 4% or $122,515 at 6%; with 100% employer match about $137,829 at 4% or $91,886 at 6%.
200614$880,998$53,941$13,485iApproximate average salary by contribution assumption: employee only about $337,131 at 4% or $224,754 at 6%; with 50% employer match about $224,754 at 4% or $149,836 at 6%; with 100% employer match about $168,566 at 4% or $112,377 at 6%.
Lustig Financial Services Profit Sharing Plan-4$880,998$53,941$13,485iApproximate average salary by contribution assumption: employee only about $337,131 at 4% or $224,754 at 6%; with 50% employer match about $224,754 at 4% or $149,836 at 6%; with 100% employer match about $168,566 at 4% or $112,377 at 6%.
200514$844,365$80,098$20,025iApproximate average salary by contribution assumption: employee only about $500,613 at 4% or $333,742 at 6%; with 50% employer match about $333,742 at 4% or $222,494 at 6%; with 100% employer match about $250,306 at 4% or $166,871 at 6%.
Lustig Financial Services Profit Sharing Plan-4$844,365$80,098$20,025iApproximate average salary by contribution assumption: employee only about $500,613 at 4% or $333,742 at 6%; with 50% employer match about $333,742 at 4% or $222,494 at 6%; with 100% employer match about $250,306 at 4% or $166,871 at 6%.
200414$925,673$70,140$17,535iApproximate average salary by contribution assumption: employee only about $438,375 at 4% or $292,250 at 6%; with 50% employer match about $292,250 at 4% or $194,833 at 6%; with 100% employer match about $219,188 at 4% or $146,125 at 6%.
Lustig Financial Services Profit Sharing Plan-4$925,673$70,140$17,535iApproximate average salary by contribution assumption: employee only about $438,375 at 4% or $292,250 at 6%; with 50% employer match about $292,250 at 4% or $194,833 at 6%; with 100% employer match about $219,188 at 4% or $146,125 at 6%.
200314$881,085$65,377$16,344iApproximate average salary by contribution assumption: employee only about $408,606 at 4% or $272,404 at 6%; with 50% employer match about $272,404 at 4% or $181,603 at 6%; with 100% employer match about $204,303 at 4% or $136,202 at 6%.
Lustig Financial Services Profit Sharing Plan-4$881,085$65,377$16,344iApproximate average salary by contribution assumption: employee only about $408,606 at 4% or $272,404 at 6%; with 50% employer match about $272,404 at 4% or $181,603 at 6%; with 100% employer match about $204,303 at 4% or $136,202 at 6%.
200214$426,750$34,104$8,526iApproximate average salary by contribution assumption: employee only about $213,150 at 4% or $142,100 at 6%; with 50% employer match about $142,100 at 4% or $94,733 at 6%; with 100% employer match about $106,575 at 4% or $71,050 at 6%.
Lustig Financial Services Profit Sharing Plan-4$426,750$34,104$8,526iApproximate average salary by contribution assumption: employee only about $213,150 at 4% or $142,100 at 6%; with 50% employer match about $142,100 at 4% or $94,733 at 6%; with 100% employer match about $106,575 at 4% or $71,050 at 6%.
200123$393,211$38,045$12,682iApproximate average salary by contribution assumption: employee only about $317,042 at 4% or $211,361 at 6%; with 50% employer match about $211,361 at 4% or $140,907 at 6%; with 100% employer match about $158,521 at 4% or $105,681 at 6%.
Lustig Financial Services Profit Sharing Plan-3$393,211$22,932$7,644iApproximate average salary by contribution assumption: employee only about $191,100 at 4% or $127,400 at 6%; with 50% employer match about $127,400 at 4% or $84,933 at 6%; with 100% employer match about $95,550 at 4% or $63,700 at 6%.
Lustig Financial Services Retirement Plan-0-$15,113-
200024$374,774$40,790$10,198iApproximate average salary by contribution assumption: employee only about $254,938 at 4% or $169,958 at 6%; with 50% employer match about $169,958 at 4% or $113,306 at 6%; with 100% employer match about $127,469 at 4% or $84,979 at 6%.
Lustig Financial Services Profit Sharing Plan-4$191,991$19,474$4,869iApproximate average salary by contribution assumption: employee only about $121,713 at 4% or $81,142 at 6%; with 50% employer match about $81,142 at 4% or $54,094 at 6%; with 100% employer match about $60,856 at 4% or $40,571 at 6%.
Lustig Financial Services Retirement Plan-4$182,783$21,316$5,329iApproximate average salary by contribution assumption: employee only about $133,225 at 4% or $88,817 at 6%; with 50% employer match about $88,817 at 4% or $59,211 at 6%; with 100% employer match about $66,613 at 4% or $44,408 at 6%.
199923$348,298$24,223$8,074iApproximate average salary by contribution assumption: employee only about $201,858 at 4% or $134,572 at 6%; with 50% employer match about $134,572 at 4% or $89,715 at 6%; with 100% employer match about $100,929 at 4% or $67,286 at 6%.
Lustig Financial Services Retirement Plan-3$182,992$8,939$2,980iApproximate average salary by contribution assumption: employee only about $74,492 at 4% or $49,661 at 6%; with 50% employer match about $49,661 at 4% or $33,107 at 6%; with 100% employer match about $37,246 at 4% or $24,831 at 6%.
Lustig Financial Services Profit Sharing Plan-3$165,306$15,284$5,095iApproximate average salary by contribution assumption: employee only about $127,367 at 4% or $84,911 at 6%; with 50% employer match about $84,911 at 4% or $56,607 at 6%; with 100% employer match about $63,683 at 4% or $42,456 at 6%.