Filed January 6, 2006
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $225,749 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 | Advisory (Plan) | $77,610 |
NBT BANCORP NA7 years Filed as: NBT BANK, N.A. Service code 49 · EIN 15-0395735 | Other Services | $15,797 |
RAYMOND JAMES FINANCIAL SERVICES10+ years Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,391 | $83,023-32.1% | $102,437-45.0% | $77,762-27.5% |
| Participation rate | 93.3% | 71.5%+21.8pp | 74.5%+18.8pp | 70.6%+22.8pp |
| Annual return | 10.61% | 19.12%-8.5pp | 24.95%-14.3pp | 31.27%-20.7pp |
| Employer contribution / active EE | $1,028 | $3,552-71.1% | $3,871-73.4% | $2,728-62.3% |
| Participant deferral / active EE | $6,647 | $4,110+61.7% | $5,060+31.4% | $4,651+42.9% |
| Admin fee / account holder | $341 | $639-46.6% | $8,388-95.9% | $433-21.2% |