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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA3+ years Filed as: NBT BANK NA Service code 21 · EIN 15-0395735 | Bank Trustee | $31,711 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES3+ 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 | $73,774 | $51,466+43.3% | $78,778-6.4% | $62,293+18.4% |
| Participation rate | 40.7% | 59.8%-19.1pp | 69.2%-28.5pp | 69.5%-28.8pp |
| Annual return | 17.04% | 19.96%-2.9pp | 35.62%-18.6pp | 28.90%-11.9pp |
| Employer contribution / active EE | $554 | $827-33.0% | $1,986-72.1% | $2,042-72.9% |
| Participant deferral / active EE | $1,867 | $2,147-13.0% | $2,958-36.9% | $3,169-41.1% |
| Admin fee / account holder | $364 | $489-25.5% | $5,134-92.9% | $479-24.0% |