Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA7+ years Filed as: NBT BANK NA Service code 21 · EIN 16-1268674 | Bank Trustee | $36,439 |
CHARLES SCHWAB & CO., INC.7+ 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,496 | $59,220+74.8% | $96,570+7.2% | $79,391+30.4% |
| Participation rate | 30.7% | 61.9%-31.2pp | 69.8%-39.1pp | 70.7%-40.0pp |
| Annual return | 13.18% | 27.08%-13.9pp | 37.79%-24.6pp | 116.88%-103.7pp |
| Employer contribution / active EE | $647 | $1,216-46.8% | $2,357-72.6% | $2,428-73.4% |
| Participant deferral / active EE | $2,244 | $2,948-23.9% | $3,849-41.7% | $4,046-44.5% |
| Admin fee / account holder | $486 | $659-26.2% | $6,182-92.1% | $627-22.5% |