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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $34,496 |
NBT BANCORP NA4 years Filed as: NBT CAPITAL MANAGEMENT Service code 27 · EIN 55-0846628 | Advisory (Plan) | $20,975 |
CHARLES SCHWAB & CO., INC.9+ years Filed as: CHARLES SCHWAB TRUST CO. Service code 18 | Custodial (other than securities) | $9,451 |
CHARLES SCHWAB & CO., INC.4 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.
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 | $196,639 | $130,294+50.9% | $170,057+15.6% | $71,529+174.9% |
| Participation rate | 95.9% | 86.2%+9.7pp | 87.0%+8.9pp | 67.9%+28.0pp |
| Annual return | 14.62% | 20.36%-5.7pp | 53.42%-38.8pp | 28.97%-14.4pp |
| Employer contribution / active EE | $1,541 | $4,385-64.9% | $6,790-77.3% | $2,590-40.5% |
| Participant deferral / active EE | $4,710 | $6,928-32.0% | $10,411-54.8% | $4,291+9.8% |
| Admin fee / account holder | $298 | $966-69.1% | $12,826-97.7% | $1,588-81.2% |