See peer percentile detail. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See the 3-year trajectory. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA1 year Filed as: NBT BANK, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $37,537 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,762 |
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES4+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,315 | $98,727-34.9% | $113,168-43.2% | $85,563-24.8% |
| Participation rate | 67.9% | 80.8%-12.9pp | 76.6%-8.6pp | 66.0%+2.0pp |
| Annual return | 15.54% | 17.43%-1.9pp | 24.27%-8.7pp | 31.51%-16.0pp |
| Employer contribution / active EE | $1,992 | $2,907-31.5% | $2,975-33.0% | $2,654-24.9% |
| Participant deferral / active EE | $4,472 | $5,424-17.6% | $5,107-12.4% | $4,375+2.2% |
| Admin fee / account holder | $115 | $357-67.9% | $12,068-99.1% | $834-86.3% |