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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1 year Filed as: NBT BANK, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $34,823 |
FREED MAXICK CPAS PC7+ years Filed as: FREED MAXICK CPAS, P.C. Service code 10 · EIN 45-4051133 | Accounting | $10,300 |
CHARLES SCHWAB & CO., INC.4 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 | $32,183 | $65,453-50.8% | $86,691-62.9% | $66,930-51.9% |
| Participation rate | 61.8% | 75.5%-13.6pp | 76.6%-14.8pp | 69.8%-8.0pp |
| Annual return | -15.64% | -10.89%-4.7pp | 35.94%-51.6pp | 1.57%-17.2pp |
| Employer contribution / active EE | $633 | $2,154-70.6% | $2,837-77.7% | $2,545-75.1% |
| Participant deferral / active EE | $2,500 | $4,102-39.1% | $4,656-46.3% | $4,238-41.0% |
| Admin fee / account holder | $373 | $642-41.9% | $7,492-95.0% | $593-37.2% |