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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1 year Service code 21 · EIN 15-0395735 | Bank Trustee | $4,255 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,726 | $37,196-71.2% | $154,108-93.0% | $55,725-80.8% |
| Participation rate | 96.9% | 64.1%+32.8pp | 83.0%+13.9pp | 70.9%+26.1pp |
| Annual return | 35.73% | 1319.68%-1283.9pp | 735.21%-699.5pp | 244.93%-209.2pp |
| Employer contribution / active EE | $1,872 | $1,614+16.0% | $5,298-64.7% | $2,078-9.9% |
| Participant deferral / active EE | $2,834 | $2,068+37.0% | $5,081-44.2% | $3,356-15.6% |
| Admin fee / account holder | $16 | $102-84.1% | $13,411-99.9% | $115-86.0% |