Nbt Bancorp Inc.401(k) + ESOP (KSOP)
NBT BANCORP INC. 401(K) & EMPLOYEE STOCK OWNERSHIP PLAN · NORWICH, NY · plan year 2025
Peer grade: B+ · admin costs + employer contributions vs same-size plans · how grading works
Nbt Bancorp Inc. reported $28,590 in plan administrative expenses for 2025: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,903 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.
Across the 3 years on file its reported administrative ratio fell from 0.008% to 0.007%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other finance & insurance employers. By assets it is the 257th-largest of 5,648 plans among New York employers on file, and the 346th of 4,798 in finance & insurance. In 2025, employees put in $2.40 for every $1.00 the employer contributed; active participation has grown from 1,838 to 2,271 since 2022.
Nbt Bancorp Inc.'s 2025 employer contribution ran below the $4,295 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.
Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.
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Source: U.S. Department of Labor, Form 5500 series, EIN 161268674 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.