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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA9 years Service code 10 · EIN 16-1268674 | Accounting | $19,406 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $6,220 |
CHARLES SCHWAB & CO., INC.10+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
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 | $90,769 | $88,137+3.0% | $164,975-45.0% | $74,429+22.0% |
| Participation rate | 94.2% | 73.1%+21.1pp | 78.6%+15.6pp | 67.2%+27.0pp |
| Annual return | 13.67% | 17.13%-3.5pp | 70.12%-56.4pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $1,370 | $2,597-47.2% | $4,343-68.4% | $2,625-47.8% |
| Participant deferral / active EE | $4,158 | $4,501-7.6% | $6,033-31.1% | $4,348-4.4% |
| Admin fee / account holder | $107 | $2,231-95.2% | $12,688-99.2% | $1,944-94.5% |