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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $49,629 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $15,140 |
NBT BANCORP NA1 year Filed as: NBT BANK, N.A. Service code 13 | Contract Administrator | $8,587 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $39,441 | $44,714-11.8% | $91,227-56.8% | $66,949-41.1% |
| Participation rate | 65.5% | 65.0%+0.5pp | 73.2%-7.7pp | 69.8%-4.3pp |
| Annual return | 9.12% | -12.25%+21.4pp | 114.14%-105.0pp | 1.57%+7.6pp |
| Employer contribution / active EE | $1,006 | $1,710-41.2% | $2,851-64.7% | $2,545-60.5% |
| Participant deferral / active EE | $3,772 | $3,355+12.4% | $4,234-10.9% | $4,239-11.0% |
| Admin fee / account holder | $468 | $521-10.2% | $5,423-91.4% | $594-21.1% |