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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA2+ years Filed as: NBT BANK NA Service code 21 · EIN 15-0395735 | Bank Trustee | $30,046 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES2+ years Filed as: EPIC ADVISORS, INC. Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,970 | $42,546+52.7% | $71,796-9.5% | $55,167+17.8% |
| Participation rate | 39.6% | 59.1%-19.5pp | 69.1%-29.5pp | 69.0%-29.4pp |
| Annual return | 6.92% | 12.36%-5.4pp | 78.04%-71.1pp | 169.23%-162.3pp |
| Employer contribution / active EE | $479 | $803-40.3% | $1,924-75.1% | $1,963-75.6% |
| Participant deferral / active EE | $1,719 | $2,064-16.7% | $2,794-38.5% | $3,054-43.7% |
| Admin fee / account holder | $341 | $650-47.4% | $4,815-92.9% | $504-32.2% |