NBT Bancorp 401(k) match, vesting and fees
What NBT Bancorp's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Epic Retirement Plan Services | Schedule C ↗ |
| Independent auditor | Bonadio & Co., LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 214 defined-contribution plans in finance and insurance with 1,000 to 4,999 participants.
| NBT Bancorp: employer contribution per participant | $2,358 | |
| Peer median | $3,266 |
| NBT Bancorp: average balance | $148,612 | |
| Peer median | $137,177 |
| NBT Bancorp: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.08% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $317M at the end of plan year 2021 to $415M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 2,810 | $415M | $6.6M | $2,358 | <0.01% | Not published | Form 5500 ↗ |
| 2024 | 2,573 | $366M | $7.1M | $2,774 | <0.01% | Not published | Form 5500 ↗ |
| 2023 | 2,529 | $321M | $5.3M | $2,110 | 0.01% | Not published | Form 5500 ↗ |
| 2022 | 2,358 | $275M | $5.8M | $2,484 | <0.01% | Not published | Form 5500 ↗ |
| 2021 | 2,251 | $317M | $5.3M | $2,391 | <0.01% | Not published | Form 5500 ↗ |
Other NBT Bancorp plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Nbt Bancorp Inc. Defined Benefit Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Bonadio & Co., LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does NBT Bancorp match 401(k) contributions?
The match terms for the Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan have not been published from its filing yet. The plan year 2025 filing reports $6.6M in employer contributions, about $2,358 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the NBT Bancorp 401(k) match vested?
The vesting schedule for the Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the NBT Bancorp 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Epic Retirement Plan Services. The plan administrator is Nbt Bancorp Inc..
I left NBT Bancorp. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Nbt Bancorp Inc., (607) 337-6868) or the recordkeeper, Epic Retirement Plan Services. The NBT Bancorp old 401(k) page lists the contacts from every plan filing. Find an old NBT Bancorp 401(k)
Data from the public Form 5500 annual reports NBT Bancorp filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with NBT Bancorp. Not financial advice. Report a correction · Methodology