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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1 year Filed as: NBT BANK. N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $17,804 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,189 | $65,453-64.6% | $86,691-73.3% | $66,930-65.4% |
| Participation rate | 67.3% | 75.5%-8.2pp | 76.6%-9.3pp | 69.8%-2.6pp |
| Annual return | -17.86% | -10.89%-7.0pp | 35.94%-53.8pp | 1.57%-19.4pp |
| Employer contribution / active EE | $1,502 | $2,154-30.3% | $2,837-47.0% | $2,545-41.0% |
| Participant deferral / active EE | $2,679 | $4,102-34.7% | $4,656-42.5% | $4,238-36.8% |
| Admin fee / account holder | $178 | $642-72.3% | $7,492-97.6% | $593-70.0% |