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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA4 years Service code 21 · EIN 16-1268674 | Bank Trustee | $44,652 |
CHARLES SCHWAB & CO., INC.8 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,101 | $34,934+69.2% | $56,411+4.8% | $74,495-20.7% |
| Participation rate | 86.4% | 32.8%+53.6pp | 52.5%+33.9pp | 67.2%+19.2pp |
| Annual return | 10.51% | 25.94%-15.4pp | 1701.33%-1690.8pp | 1364.94%-1354.4pp |
| Employer contribution / active EE | $1,907 | $609+213.1% | $1,039+83.6% | $2,623-27.3% |
| Participant deferral / active EE | $3,598 | $1,170+207.4% | $1,952+84.3% | $4,346-17.2% |
| Admin fee / account holder | $341 | $2,364-85.6% | $2,829-88.0% | $1,942-82.4% |