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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA3 years Service code 21 · EIN 16-1268674 | Bank Trustee | $40,400 |
CHARLES SCHWAB & CO., INC.7 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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,951 | $27,800+108.5% | $58,561-1.0% | $71,511-19.0% |
| Participation rate | 89.4% | 34.6%+54.8pp | 50.9%+38.6pp | 67.9%+21.5pp |
| Annual return | 14.15% | 26.80%-12.7pp | 4251.33%-4237.2pp | 28.86%-14.7pp |
| Employer contribution / active EE | $1,843 | $632+191.8% | $1,053+75.0% | $2,589-28.8% |
| Participant deferral / active EE | $3,437 | $1,208+184.5% | $1,923+78.7% | $4,291-19.9% |
| Admin fee / account holder | $310 | $1,637-81.1% | $2,520-87.7% | $1,588-80.5% |