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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA8+ years Service code 21 · EIN 16-1268674 | Bank Trustee | $47,701 |
D'ARCANGELO & CO., LLP2 years Service code 10 · EIN 13-2550103 | Accounting | $8,950 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $6,394 |
CHARLES SCHWAB & CO., INC.8+ 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.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,508 | $42,353+2.7% | $79,550-45.3% | $64,808-32.9% |
| Participation rate | 51.5% | 64.8%-13.3pp | 69.5%-18.0pp | 71.5%-20.0pp |
| Annual return | -21.12% | -12.24%-8.9pp | 0.16%-21.3pp | 32.82%-53.9pp |
| Employer contribution / active EE | $805 | $1,181-31.8% | $2,413-66.6% | $2,506-67.9% |
| Participant deferral / active EE | $2,814 | $3,170-11.3% | $3,985-29.4% | $4,310-34.7% |
| Admin fee / account holder | $202 | $160+26.3% | $6,832-97.0% | $188+7.4% |