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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $35,499 |
NBT BANCORP NA3 years Filed as: NBT CAPITAL MANAGEMENT Service code 27 · EIN 55-0846628 | Advisory (Plan) | $21,354 |
CHARLES SCHWAB & CO., INC.8+ years Filed as: CHARLES SCHWAB TRUST CO. Service code 18 | Custodial (other than securities) | $10,561 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB & CO, INC. Service code 18 · EIN 94-1737782 | Custodial (other than securities) | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $172,663 | $102,661+68.2% | $151,645+13.9% | $66,949+157.9% |
| Participation rate | 91.9% | 85.5%+6.4pp | 87.5%+4.5pp | 69.8%+22.1pp |
| Annual return | -13.76% | -10.81%-3.0pp | 3.34%-17.1pp | 1.57%-15.3pp |
| Employer contribution / active EE | $1,666 | $4,184-60.2% | $6,165-73.0% | $2,545-34.6% |
| Participant deferral / active EE | $4,013 | $6,645-39.6% | $8,363-52.0% | $4,239-5.3% |
| Admin fee / account holder | $316 | $630-49.9% | $11,614-97.3% | $594-46.7% |