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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA5 years Service code 21 · EIN 16-1268674 | Bank Trustee | $3,675 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,331 | $46,319-36.7% | $143,770-79.6% | $64,811-54.7% |
| Participation rate | 82.9% | 64.2%+18.7pp | 80.3%+2.6pp | 71.5%+11.5pp |
| Annual return | -13.75% | -10.06%-3.7pp | -0.04%-13.7pp | 32.83%-46.6pp |
| Employer contribution / active EE | $1,494 | $1,911-21.8% | $4,951-69.8% | $2,506-40.4% |
| Participant deferral / active EE | $3,386 | $2,646+28.0% | $5,638-39.9% | $4,310-21.4% |
| Admin fee / account holder | $11 | $154-92.6% | $14,673-99.9% | $188-93.9% |