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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EPIC ADVISORS INC Service code 15 · EIN 16-1450952 | Recordkeeping | $37,275 |
NBT BANCORP NA4 years Filed as: NBT CAPITAL MANAGEMENT Service code 27 · EIN 55-0846628 | Advisory (Plan) | $28,694 |
Participant 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 | $101,845 | $79,089+28.8% | $100,392+1.4% | $74,459+36.8% |
| Participation rate | 95.0% | 79.4%+15.5pp | 81.5%+13.5pp | 67.2%+27.7pp |
| Annual return | 14.45% | 20.61%-6.2pp | 49.45%-35.0pp | 1369.70%-1355.3pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,941-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,674 | $7,747-52.6% | $8,090-54.6% | $4,350-15.5% |
| Admin fee / account holder | $344 | $1,336-74.3% | $7,904-95.7% | $1,945-82.3% |