See peer percentile detail. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See the 10-year trajectory. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1+ years Filed as: NBT BANCORP, N.A. Service code 21 · EIN 15-0395735 | Bank Trustee | $22,952 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $2,846 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES1+ years Filed as: EPIC ADVISORS, INC. Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,412 | $43,550-37.1% | $63,517-56.8% | $52,331-47.6% |
| Participation rate | 41.5% | 65.7%-24.2pp | 71.0%-29.5pp | 68.1%-26.6pp |
| Annual return | 0.07% | 2.03%-2.0pp | -70.30%+70.4pp | 4.54%-4.5pp |
| Employer contribution / active EE | $354 | $1,351-73.8% | $2,322-84.8% | $1,882-81.2% |
| Participant deferral / active EE | $1,232 | $2,254-45.3% | $2,953-58.3% | $3,022-59.2% |
| Admin fee / account holder | $176 | $387-54.6% | $5,892-97.0% | $592-70.3% |