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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA2+ years Filed as: NBT BANCORP, N.A. Service code 21 · EIN 15-0395735 | Bank Trustee | $23,297 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES2+ 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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,656 | $46,072-40.0% | $69,779-60.4% | $55,167-49.9% |
| Participation rate | 38.8% | 67.5%-28.7pp | 71.8%-33.1pp | 69.0%-30.2pp |
| Annual return | 6.73% | 8.68%-1.9pp | 12.99%-6.3pp | 169.23%-162.5pp |
| Employer contribution / active EE | $330 | $1,500-78.0% | $2,338-85.9% | $1,963-83.2% |
| Participant deferral / active EE | $1,157 | $2,344-50.6% | $2,931-60.5% | $3,054-62.1% |
| Admin fee / account holder | $163 | $428-61.9% | $4,381-96.3% | $504-67.7% |