# Nbt Bancorp INC. 401(k) Plan
Source: https://planprovider.pro/companies/nbt-bancorp-inc-401k-plan

> Nbt Bancorp INC.'s 401(k) plan: 2,046 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Nbt Bancorp INC.

- **Sponsor EIN:** 161268674

- **Sponsor Address:** 52 S BROAD ST, NORWICH, NY, 13815

- **Plan Type:** 401(k)

- **Total Participants:** 2,046

- **Total Assets:** $366.5M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|2,046|$366.5M|$7.1M|$13.8M|

| 2023|2,014|$321.6M|$5.3M|$13.0M|

| 2022|1,838|$275.1M|$5.8M|$11.7M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| CHARLES SCHWAB TRUST BANK|NONE|—|$72,074|$72,074|

| EPIC RETIREMENT PLAN SERVICES|WHOLLY OWNED SUBSIDIARY|$25,806|—|$25,806|

| CHARLES SCHWAB & CO., INC.|NONE|$12,805|—|$12,805|

| BONADIO & CO., LLP|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [CHARLES SCHWAB TRUST BANK](https://planprovider.pro/provider/charles-schwab-and-co-inc) — NONE

- [EPIC RETIREMENT PLAN SERVICES](https://planprovider.pro/provider/epic-retirement-plan-services) — WHOLLY OWNED SUBSIDIARY

- [CHARLES SCHWAB & CO., INC.](https://planprovider.pro/provider/charles-schwab-and-co-inc) — NONE

- [BONADIO & CO., LLP](https://planprovider.pro/provider/bonadio-and-co-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $110,685

- **Estimated Expense Ratio:** 0.030% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$25,806|—|—|—|—|

| 2023|$38,674|—|—|—|—|

| 2022|$23,478|—|—|—|—|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/nbt-bancorp-inc-401k-plan)

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