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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA4 years Service code 21 · EIN 15-0395735 | Bank Trustee | $26,948 |
WITHUMSMITH+BROWN, PC5+ years Filed as: DERMODY, BURKE & BROWN, CPAS, LLC Service code 10 · EIN 01-0723685 | Accounting | $8,275 |
CHARLES SCHWAB & CO., INC.5+ 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,858 | $86,341-23.7% | $125,192-47.4% | $65,185+1.0% |
| Participation rate | 98.6% | 75.3%+23.3pp | 79.8%+18.8pp | 70.2%+28.4pp |
| Annual return | 22.14% | 27.44%-5.3pp | 43.79%-21.7pp | 29.38%-7.2pp |
| Employer contribution / active EE | $2,790 | $2,040+36.8% | $3,866-27.8% | $2,177+28.2% |
| Participant deferral / active EE | $3,220 | $3,538-9.0% | $4,937-34.8% | $3,514-8.4% |
| Admin fee / account holder | $215 | $609-64.7% | $9,704-97.8% | $847-74.6% |