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| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA2+ years Service code 21 · EIN 15-0395735 | Bank Trustee | $13,737 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES2+ years Filed as: EPIC ADVISORS, INC. Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $29,255 | $38,969-24.9% | $109,313-73.2% | $55,167-47.0% |
| Participation rate | 28.9% | 58.2%-29.3pp | 71.3%-42.3pp | 69.0%-40.0pp |
| Annual return | 5.97% | 8.26%-2.3pp | 22.07%-16.1pp | 169.23%-163.3pp |
| Employer contribution / active EE | $122 | $1,227-90.0% | $3,892-96.9% | $1,963-93.8% |
| Participant deferral / active EE | $981 | $2,176-54.9% | $3,166-69.0% | $3,054-67.9% |
| Admin fee / account holder | $215 | $501-57.2% | $5,666-96.2% | $504-57.4% |