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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA2 years Filed as: NBT BANK, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $32,061 |
FREED MAXICK CPAS PC8+ years Filed as: FREED MAXICK CPAS, P.C. Service code 10 · EIN 45-4051133 | Accounting | $11,000 |
CHARLES SCHWAB & CO., INC.5 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 | $39,463 | $76,107-48.1% | $96,576-59.1% | $71,495-44.8% |
| Participation rate | 56.2% | 74.4%-18.2pp | 76.0%-19.8pp | 67.9%-11.7pp |
| Annual return | 17.81% | 22.81%-5.0pp | 25.87%-8.1pp | 28.85%-11.0pp |
| Employer contribution / active EE | $634 | $2,247-71.8% | $2,965-78.6% | $2,589-75.5% |
| Participant deferral / active EE | $2,648 | $4,218-37.2% | $4,851-45.4% | $4,291-38.3% |
| Admin fee / account holder | $399 | $2,708-85.3% | $8,253-95.2% | $1,588-74.9% |