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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,101 | $30,421+94.3% | $56,077+5.4% | $74,429-20.6% |
| Participation rate | 86.4% | 32.9%+53.5pp | 52.5%+33.9pp | 67.2%+19.2pp |
| Annual return | 10.51% | 24.94%-14.4pp | 1709.28%-1698.8pp | 1368.38%-1357.9pp |
| Employer contribution / active EE | $1,907 | $610+212.8% | $1,040+83.3% | $2,625-27.3% |
| Participant deferral / active EE | $3,598 | $1,175+206.2% | $1,954+84.1% | $4,348-17.3% |
| Admin fee / account holder | $341 | $2,363-85.6% | $2,825-87.9% | $1,944-82.5% |