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 NA4 years Filed as: NBT BANCORP Service code 21 · EIN 15-0395735 | Bank Trustee | $196,226 |
ASCENT WEALTH PARTNERS, LLC5+ years Service code 28 122 BUSINESS PARK DR. · UTICA, NY 13502 | Investment Management | $46,083 |
STRATEGIC FINANCIAL SERVICES2 years Service code 28 · EIN 16-1334685 | Investment Management | $34,748 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $16,466 |
Service code 27 · EIN 22-2034385 | Advisory (Plan) | $9,543 |
HERBERT FAULKNER REILLY III3 years Service code 27 · EIN 06-7380206 | Advisory (Plan) | $7,019 |
MORGAN STANLEY SMITH BARNEY4 years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $5,437 |
CHARLES SCHWAB & CO., INC.5+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $883 |
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.
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 | $93,692 | $52,293+79.2% | $178,503-47.5% | $73,412+27.6% |
| Participation rate | 88.4% | 65.3%+23.1pp | 81.9%+6.5pp | 72.2%+16.2pp |
| Annual return | -5.51% | 34.75%-40.3pp | 151.12%-156.6pp | 59.30%-64.8pp |
| Employer contribution / active EE | $4,827 | $1,736+178.0% | $5,011-3.7% | $2,234+116.1% |
| Participant deferral / active EE | $3,252 | $2,333+39.4% | $5,202-37.5% | $3,806-14.6% |
| Admin fee / account holder | $330 | $127+158.8% | $13,987-97.6% | $158+108.8% |