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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA6 years Service code 10 · EIN 16-1268674 | Accounting | $46,474 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,590 |
CHARLES SCHWAB & CO., INC.7+ 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 | $85,629 | $93,182-8.1% | $146,685-41.6% | $79,393+7.9% |
| Participation rate | 96.2% | 76.4%+19.7pp | 80.1%+16.1pp | 70.7%+25.4pp |
| Annual return | 14.21% | 21.61%-7.4pp | 22.75%-8.5pp | 116.87%-102.7pp |
| Employer contribution / active EE | $1,130 | $2,420-53.3% | $4,137-72.7% | $2,428-53.5% |
| Participant deferral / active EE | $3,356 | $4,169-19.5% | $5,507-39.1% | $4,046-17.1% |
| Admin fee / account holder | $287 | $585-51.0% | $10,281-97.2% | $627-54.2% |