Filed February 19, 2021 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA3+ years Service code 21 · EIN 15-0395735 | Bank Trustee | $28,018 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES3+ 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $19,902 | $46,173-56.9% | $170,435-88.3% | $69,631-71.4% |
| Participation rate | 50.0% | 63.9%-13.9pp | 83.6%-33.6pp | 70.7%-20.7pp |
| Annual return | 17.95% | 21.62%-3.7pp | 205.94%-188.0pp | 27571.02%-27553.1pp |
| Employer contribution / active EE | $666 | $1,610-58.6% | $5,432-87.7% | $2,032-67.2% |
| Participant deferral / active EE | $456 | $2,080-78.1% | $4,939-90.8% | $3,224-85.8% |
| Admin fee / account holder | $94 | $116-18.6% | $13,881-99.3% | $110-14.6% |