Filed November 1, 2011
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA3 years Filed as: NBT BANCORP, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $301,408 |
MAKROD INVESTMENT ASSOCIATES6 years Service code 27 · EIN 22-2034385 | Advisory (Plan) | $48,738 |
STRATEGIC FINANCIAL SERVICES7 years Service code 27 · EIN 16-1334685 | Advisory (Plan) | $31,181 |
ASCENT WEALTH PARTNERS, LLC10+ years Service code 28 122 BUSINESS PARK DR. · UTICA, NY 13502 | Investment Management | $28,479 |
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $21,216 |
BIRCH WEALTH INC1 year Service code 27 · EIN 84-1817033 | Advisory (Plan) | $10,869 |
HFR WEALTH MANAGEMENT LLC4 years Service code 27 · EIN 86-3584492 | Advisory (Plan) | $10,782 |
CHARLES SCHWAB & CO., INC.10+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $63 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $149,998 | $38,165+293.0% | $189,758-21.0% | $69,255+116.6% |
| Participation rate | 91.5% | 66.7%+24.8pp | 79.8%+11.7pp | 69.0%+22.5pp |
| Annual return | 6.61% | 14.65%-8.0pp | 52.62%-46.0pp | 26.73%-20.1pp |
| Employer contribution / active EE | $5,466 | $1,589+244.0% | $4,767+14.7% | $2,645+106.7% |
| Participant deferral / active EE | $4,151 | $2,073+100.2% | $5,856-29.1% | $2,890+43.6% |
| Admin fee / account holder | $567 | $714-20.6% | $20,388-97.2% | $733-22.6% |