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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA4+ years Filed as: NBT BANK NA Service code 21 · EIN 15-0395735 | Bank Trustee | $33,248 |
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $59,282 | $42,548+39.3% | $74,551-20.5% | $56,289+5.3% |
| Participation rate | 45.2% | 60.5%-15.3pp | 69.1%-23.9pp | 69.9%-24.6pp |
| Annual return | -4.85% | 12.40%-17.3pp | 32.53%-37.4pp | -9.96%+5.1pp |
| Employer contribution / active EE | $589 | $855-31.1% | $1,961-69.9% | $2,111-72.1% |
| Participant deferral / active EE | $2,181 | $2,277-4.2% | $3,108-29.8% | $3,350-34.9% |
| Admin fee / account holder | $387 | $467-17.2% | $5,059-92.4% | $521-25.8% |