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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1 year Filed as: NBT BANK NA DBA TPA EXPERTS Service code 17 2 EXECUTIVE PARK DRIVE, SUITE 100 · BEDFORD, ME 03110 | Pension Consulting | $14,154 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $12,787 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $5,575 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $65,037 | $54,245+19.9% | $93,727-30.6% | $77,762-16.4% |
| Participation rate | 66.8% | 63.9%+2.9pp | 68.7%-1.9pp | 70.6%-3.8pp |
| Annual return | 16.36% | 30.58%-14.2pp | 133.83%-117.5pp | 31.27%-14.9pp |
| Employer contribution / active EE | $2,470 | $1,168+111.6% | $2,421+2.0% | $2,728-9.4% |
| Participant deferral / active EE | $4,415 | $3,144+40.4% | $4,417-0.1% | $4,651-5.1% |
| Admin fee / account holder | $324 | $575-43.7% | $8,292-96.1% | $433-25.2% |