Filed February 19, 2021 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA2+ years Service code 21 · EIN 15-0395735 | Bank Trustee | $21,449 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES2+ years Filed as: EPIC ADVISORS, INC. 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $17,792 | $36,916-51.8% | $156,551-88.6% | $57,658-69.1% |
| Participation rate | 44.0% | 63.4%-19.4pp | 84.0%-40.0pp | 70.2%-26.2pp |
| Annual return | 7.51% | 12.38%-4.9pp | 32.23%-24.7pp | 5.13%+2.4pp |
| Employer contribution / active EE | $585 | $1,571-62.8% | $5,501-89.4% | $1,974-70.4% |
| Participant deferral / active EE | $402 | $1,926-79.1% | $4,871-91.7% | $3,061-86.9% |
| Admin fee / account holder | $76 | $82-8.4% | $13,028-99.4% | $95-20.1% |