Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 6-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $81,184 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $18,823 |
Service code 27 · EIN 99-2539506 | Advisory (Plan) | $15,309 |
NBT BANCORP NA3 years Filed as: NBT BANK, N.A. Service code 13 · EIN 15-0395735 | Contract Administrator | $7,342 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,402 | $59,006-7.8% | $97,295-44.1% | $74,478-27.0% |
| Participation rate | 54.8% | 63.7%-8.9pp | 72.7%-17.9pp | 67.2%-12.4pp |
| Annual return | 19.59% | 16.04%+3.5pp | 75.62%-56.0pp | 1370.56%-1351.0pp |
| Employer contribution / active EE | $996 | $1,894-47.4% | $2,723-63.4% | $2,626-62.1% |
| Participant deferral / active EE | $3,736 | $3,671+1.8% | $4,264-12.4% | $4,350-14.1% |
| Admin fee / account holder | $604 | $1,974-69.4% | $5,646-89.3% | $1,946-69.0% |