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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA9 years Filed as: NBT BANK N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $22,649 |
CHARLES SCHWAB & CO., INC.9 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,123 | $73,532-41.4% | $178,540-75.8% | $74,459-42.1% |
| Participation rate | 38.2% | 66.6%-28.4pp | 77.1%-38.9pp | 67.2%-29.0pp |
| Annual return | 14.29% | 17.51%-3.2pp | 27.15%-12.9pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $1,178 | $2,221-47.0% | $3,953-70.2% | $2,626-55.2% |
| Participant deferral / active EE | $1,658 | $4,519-63.3% | $6,281-73.6% | $4,350-61.9% |
| Admin fee / account holder | $233 | $1,813-87.1% | $10,424-97.8% | $1,945-88.0% |