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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA3 years Filed as: NBT BANK, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $31,382 |
CHARLES SCHWAB & CO., INC.6 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,780 | $79,223-29.6% | $102,460-45.6% | $74,478-25.1% |
| Participation rate | 44.9% | 74.8%-29.9pp | 76.5%-31.7pp | 67.2%-22.4pp |
| Annual return | 12.44% | 54.98%-42.5pp | 29.47%-17.0pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $572 | $2,363-75.8% | $3,025-81.1% | $2,626-78.2% |
| Participant deferral / active EE | $2,563 | $4,417-42.0% | $5,056-49.3% | $4,350-41.1% |
| Admin fee / account holder | $369 | $2,003-81.6% | $9,460-96.1% | $1,946-81.0% |