Assets by plan
Share of aggregate retirement assets
Sponsor portfolioTH
NBT BANCORP INC.
EIN 16-1268674financial servicesLatest filing 2024
Plans
4
Retirement
2
$491.5M assets
Welfare
2
$2.9M premiums
Participants
9,455
52 SOUTH BROAD STREET - NORWICH, NY 13815607-337-6393nbtbancorp.comLinkedIn1001-5000 employeesfinancial services
Retirement portfolio analytics
2 plans aggregated / $491.5M assets / 5,111 participantsRecordkeeper share
DC plan assets by Schedule C recordkeeper
75%top
- EPIC RETIREMENT PLAN SERVICES75%
- (Not disclosed)25%
Participants by plan
Active + retired + deferred vested
Benefits portfolio analytics
2 plans / $2.9M premiums / 3,216 covered livesCoverage by line
Premium dollars by benefit type (bundled lines overlap)
- Dental$1.2M
- Other$905K
- Life$857K
- Short-term disability$383K
- Long-term disability$284K
- Vision$149K
Carrier market share
Premium dollars by Schedule A carrier
40%top
- DELTA DENTAL OF CALIFORNIA40%
- RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA30%
- RELIANCE STANDARD LIFE INSURANCE COMPANY23%
- VISION SERVICE PLAN5%
- EMPLOYEE NETWORK, INC.1%
- +1 more
Broker market share
Schedule A broker compensation
51%top
- AON CONSULTING INC51%
- NBT INSURANCE AGENCY LLC49%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#002
NBT BANCORP INC. 401(K) & EMPLOYEE STOCK OWNERSHIP PLAN
ESOP
Assets$366.5M
Participants2,573
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001
NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN
CashBalance
Assets$125.0M
Participants2,538
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#508
NBT BANCORP INC. WELFARE BENEFIT PLAN
Mixed - DELTA DENTAL OF NEW YORK
Premiums$2.9M
Covered lives3,216
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#514
NBT BANCORP INC. SEVERANCE PAY PLAN
Self Funded
Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans2
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 002 | NBT BANCORP INC. 401(K) & EMPLOYEE STOCK OWNERSHIP PLAN | ESOP | $366.5M | 2,573 | 2024 | |
| 001 | NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN | CashBalance | $125.0M | 2,538 | 2024 |
Welfare plans2
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 508 | NBT BANCORP INC. WELFARE BENEFIT PLAN | Mixed | DELTA DENTAL OF NEW YORK | $2.9M | 3,216 | 2024 | |
| 514 | NBT BANCORP INC. SEVERANCE PAY PLAN | Self Funded | - | $0 | 0 | 2024 |
Retirement plans
Welfare plans