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 NA4 years Filed as: NBT BANK NA Service code 21 · EIN 15-0395735 | Bank Trustee | $87,059 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 | Securities Custodian | $20,267 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $53,478 | $100,801-46.9% | $149,730-64.3% | $73,412-27.2% |
| Participation rate | 77.2% | 77.7%-0.5pp | 82.5%-5.3pp | 72.2%+5.0pp |
| Annual return | 11.52% | 265.34%-253.8pp | 276.70%-265.2pp | 59.30%-47.8pp |
| Employer contribution / active EE | $0 | $3,312-100.0% | $4,645-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $2,987 | $6,404-53.4% | $6,843-56.3% | $3,806-21.5% |
| Admin fee / account holder | $83 | $181-54.2% | $9,310-99.1% | $158-47.6% |