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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $27,633 |
NBT BANCORP NA5 years Filed as: NBT CAPITAL MANAGEMENT Service code 27 · EIN 55-0846628 | Advisory (Plan) | $24,322 |
CHARLES SCHWAB & CO., INC.10+ years Filed as: CHARLES SCHWAB TRUST CO. Service code 18 | Custodial (other than securities) | $10,283 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB & CO, INC. Service code 18 · EIN 94-1737782 | Custodial (other than securities) | $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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $206,640 | $122,063+69.3% | $184,256+12.1% | $74,478+177.5% |
| Participation rate | 94.0% | 85.5%+8.5pp | 86.8%+7.1pp | 67.2%+26.7pp |
| Annual return | 11.47% | 19.92%-8.4pp | 28.85%-17.4pp | 1370.56%-1359.1pp |
| Employer contribution / active EE | $2,072 | $4,539-54.3% | $6,427-67.8% | $2,626-21.1% |
| Participant deferral / active EE | $4,960 | $7,144-30.6% | $9,133-45.7% | $4,350+14.0% |
| Admin fee / account holder | $318 | $1,253-74.6% | $13,899-97.7% | $1,946-83.7% |