# Nbt Bancorp INC. DB Plan
Source: https://planprovider.pro/companies/nbt-bancorp-inc-plan-001

> Nbt Bancorp INC.'s DB plan: 1,815 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 SOUTH BROAD STREET, NORWICH, NY, 138151646

- **Plan Type:** DB

- **Total Participants:** 1,815

- **Total Assets:** $125.0M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

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

## Plan Financials by Year

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

| 2024|1,815|$125.0M|$0|$0|

| 2023|1,793|$121.2M|$0|$0|

| 2022|1,599|$113.3M|$0|$0|

## 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|

| BPAS ACTUARIAL AND PENSION SERVICES|NONE|$91,526|—|$91,526|

| BONADIO & CO., LLP|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [BPAS ACTUARIAL AND PENSION SERVICES](https://planprovider.pro/provider/bpas) — 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:** $91,526

- **Estimated Expense Ratio:** 0.073% 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|$363,874|$15,000|—|—|—|

| 2023|$369,588|—|—|—|—|

| 2022|$323,095|—|—|—|$119,991|

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