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Sponsor portfolioWelfare / HealthEIN 16-1268674

NBT BANCORP INC.

52 SOUTH BROAD STREET · NORWICH, NY 138151646
6073376293
Plans filed
2
Years active
2015–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$3.1M
No prior year
Persons covered
3,504
No prior year
Total participants
4,417
No prior year
Plans filed
2
No prior year

Plans under this sponsor

2 plans
Plan #508$3.1M
NBT BANCORP INC. WELFARE BENEFIT PLAN
Mixed3,504 covered·6 carriers
Primary: DELTA DENTAL OF NEW YORK
Plan #514$0
NBT BANCORP INC. SEVERANCE PAY PLAN
Self-funded0 covered·0 carriers

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Dental$1.2M31.3%
Other$774K20.0%
Life$723K18.7%
Short-term disability$588K15.2%
Long-term disability$420K10.8%
Vision$157K4.0%

Carrier overview

6 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
DELTA DENTAL OF CALIFORNIA
EIN 111980218
D
$1.2M38.5%113,504
RELIANCE STANDARD LIFE INSURANCE COMPANY
EIN 133176850
STDLTD
$1.0M32.0%122,311
RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA
EIN 134098096
LOth
$723K22.9%112,347
VISION SERVICE PLAN
EIN 222777159
V
$157K5.0%111,631
EMPLOYEE NETWORK, INC.
EIN 161285790
Oth
$45K1.4%131,970
LIFE INSURANCE COMPANY OF NORTH AMERICA
EIN 131963496
Oth
$7K0.2%112,141

Broker overview

2 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
AON CONSULTING INCCHICAGO, ILFIRST RELIANCE STANDARD$101K$6K$106K83.9%1
NBT INSURANCE AGENCY LLCNORWICH, NYFEDERAL INSURANCE COMPANY, RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK$20K$340$20K16.1%1

History & trajectory

11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.

Policy details

Latest year, by plan
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