Nbt Bancorp Inc. 401(k) Plan: Login, Facts & Contact Information
Nbt Bancorp Inc. 401(k) Login
516 former Nbt Bancorp Inc. employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Nbt Bancorp Inc. 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jun 27, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $25.8 million went into the plan in contributions, $7.09 million of it from the employer (27%).
- $27.0 million was paid out to participants.
- Investment and other income added $46.8 million.
- Administrative expenses were $25,806, about $10 per account.
How the Nbt Bancorp Inc. 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 2,164 | $244.1 million | $3.65 million | $16.9 million |
| 2020 | 2,248 | $275.3 million | $3.93 million | $19.1 million |
| 2021 | 2,209 | $318.0 million | $5.32 million | $19.2 million |
| 2022 | 2,251 | $275.1 million | $5.81 million | $14.8 million |
| 2023 | 2,358 | $321.6 million | $5.31 million | $28.6 million |
| 2024 | 2,529 | $366.5 million | $7.09 million | $27.0 million |
Nbt Bancorp Inc. 401(k) Contact Information
Questions about the Nbt Bancorp Inc. 401(k)
Does Nbt Bancorp Inc contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $7.09 million, 27% of all contributions.
Does the Nbt Bancorp Inc 401(k) have automatic enrollment?
Yes. The plan reports automatic enrollment of eligible employees.
How many people are in the Nbt Bancorp Inc 401(k) plan?
2,529 participants at the start of plan year 2024, 2,046 of them active employees, and 516 former employees who still had money in the plan.
What is the average 401(k) balance at Nbt Bancorp Inc?
About $143,438 per account: $366.5 million in plan assets across 2,555 accounts with a balance at the end of plan year 2024.
Who manages the Nbt Bancorp Inc 401(k) accounts?
EPIC Retirement Plan Services is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at Nbt Bancorp Inc. How do I access my 401(k)?
Your account stays with EPIC Retirement Plan Services after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.