Filed February 26, 1997
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA8 years Filed as: NBT BANK NA Service code 21 · EIN 16-1268674 | Bank Trustee | $90,843 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $18,415 |
PIAKER & LYONS8 years Filed as: PIAKER & LYONS, P.C. Service code 10 · EIN 16-1152552 | Accounting | $17,277 |
CHARLES SCHWAB & CO., INC.10+ 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.
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 | $38,481 | $106,264-63.8% | $147,117-73.8% | $77,762-50.5% |
| Participation rate | 64.7% | 78.4%-13.8pp | 82.2%-17.5pp | 70.6%-5.9pp |
| Annual return | 14.53% | 56.94%-42.4pp | 420.54%-406.0pp | 31.27%-16.7pp |
| Employer contribution / active EE | $0 | $4,074-100.0% | $4,932-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,368 | $8,003-70.4% | $8,065-70.6% | $4,651-49.1% |
| Admin fee / account holder | $90 | $334-73.2% | $12,993-99.3% | $433-79.3% |