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| Provider | Service type | Compensation |
|---|---|---|
NBT BANK NA1+ years Filed as: NBT BANK, N.A. Service code 21 · EIN 16-1268674 | Bank Trustee | $21,282 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $6,296 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
EPIC RETIREMENT PLAN SERVICES1+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
18 funds of $250K or more; 16 lines in all, holding $18.2M of the plan's $18.4M. From the 2024 filing. Recordkeeper: Charles Schwab.
Target-date series: Vanguard Target Retirement, mutual fund, 35% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| Vanguard Target Retirement Vanguard · Mutual fund Target-date, 11 vintages | $6.5M | 35.5% |
| Fidelity Contra Fund Fidelity (FMR) · Mutual fund | $2.8M | 15.1% |
| Vanguard 500 Index F Vanguard · Mutual fund Index | $2.5M | 13.9% |
| Capital Preservation Instl Svc Prcn Manager not matched · Stable value Stable value | $1.6M | 8.7% |
| Fidelity Low-Priced Stock Fund Fidelity (FMR) · Mutual fund | $876K | 4.8% |
| Vanguard Mid-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index | $876K | 4.8% |
| Janus Henderson Enterprise Fund Class I Janus Henderson · Mutual fund | $662K | 3.6% |
| Vanguard Small Cap Growth Index Admi Vanguard · Mutual fund Index | $571K | 3.1% |
| Vanguard Equity Income Fund Admiral Shares Vanguard · Mutual fund | $450K | 2.5% |
| Eupac Fund Class R-6 Capital Group · Mutual fund | $443K | 2.4% |
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
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.