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 NA2 years Filed as: NBT BANCORP Service code 21 · EIN 15-0395735 | Bank Trustee | $215,768 |
ASCENT WEALTH PARTNERS, LLC3+ years Service code 28 122 BUSINESS PARK DR. · UTICA, NY 13502 | Investment Management | $36,966 |
STRATEGIC ADVISORS, INC.2 years Filed as: STRATEGIC INVESTMENT ADVISORS Service code 28 · EIN 16-1334685 | Investment Management | $28,764 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $20,089 |
HERBERT FAULKNER REILLY III1 year Service code 27 · EIN 06-7380206 | Advisory (Plan) | $5,622 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $65 |
EPIC RETIREMENT PLAN SERVICES3+ years Filed as: EPIC ADVISORS, INC. 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $104,948 | $37,196+182.1% | $154,107-31.9% | $55,725+88.3% |
| Participation rate | 93.9% | 64.1%+29.8pp | 83.0%+10.9pp | 70.9%+23.0pp |
| Annual return | 10.63% | 1319.68%-1309.0pp | 735.12%-724.5pp | 244.93%-234.3pp |
| Employer contribution / active EE | $5,104 | $1,614+216.2% | $5,298-3.6% | $2,078+145.6% |
| Participant deferral / active EE | $2,997 | $2,068+44.9% | $5,081-41.0% | $3,356-10.7% |
| Admin fee / account holder | $397 | $102+290.7% | $13,411-97.0% | $115+244.7% |