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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA4 years Filed as: NBT WEALTH MANAGEMENT Service code 21 · EIN 16-1301826 | Bank Trustee | $40,999 |
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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $0 | $42,600-100.0% | $227,282-100.0% | $82,186-100.0% |
| Participation rate | 0.0% | 14.3%-14.3pp | 35.4%-35.4pp | 3.6%-3.6pp |
| Annual return | 9.22% | 10.11%-0.9pp | 10.75%-1.5pp | 11.84%-2.6pp |
| Employer contribution / active EE | $2,727 | $14,976-81.8% | $35,170-92.2% | $17,339-84.3% |
| Participant deferral / active EE | $0 | $126-100.0% | $82-100.0% | $683-100.0% |
| Admin fee / account holder | $0 | $266-100.0% | $4,611-100.0% | $409-100.0% |