401(k) · DOL Form 5500 · 2022

Nbt Bancorp Inc. 401(k) Plan

Data updated 2026-08-25

$275M
Total assets Near avg plan size
1,777
Participants Near avg headcount
97th
Percentile by assets National rank
$154,800
Avg per participant Above avg balance/head
PlainRetire home → About this data RSS: change history

Official DOL plan name: Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan · Sponsored by Nbt Bancorp Inc. · New York · Finance & Insurance

$275M in assets, 1,777 participants

Nbt Bancorp Inc.'s Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported $275M in total assets and 1,777 participants in its 2022 DOL Form 5500 filing, ranking in the 97th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #8,709 in Finance & Insurance (9,261 peers)

Coverage in New York

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan covers 1,777 participants in New York, 2.2x the typical New York plan (state average ~798 per filing). Assets: $275M.

#8,709
in Finance & Insurance (9,261 peers)
-13.5%
assets change YoY
2.8×
vs typical plan assets (national mean)

The plan reported a net loss of $43M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's outsized position by total assets

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$275,078,923 Top 3% higher than 97% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's large-plan peer group by participant headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan lands in the large band (1,777 participants).

Published 5500 schedule card

Filing strip 161268674 · Nbt Bancorp Inc. PY 2022 · 401(k)

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan · $275M · 1,777 · 97th

  • PHOTO $275M
  • IND 1,777
  • EOY 97th
  • 5500 401(k)
  • ASSETS near The Middleby Corporation Profit Sharing Plan
  • PCT ind #8709

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in New York →

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan in the asset neighbourhood

Dykema Gossett PLLC Savings & Investment PlanDykema Gossett PLLC Savings …$275MThe Middleby Corporation Profit Sharing PlanThe Middleby Corporation Pro…$275MNbt Bancorp Inc. 401(k) & Employee Stock Ownership PlanNbt Bancorp Inc. 401(k) & Em…$275MDealer Tire LLC 401(k) Savings PlanDealer Tire LLC 401(k) Savin…$275MUltra Electronics Inc. 401(k) PlanUltra Electronics Inc. 401(k…$275M
End-of-year total assets ($M) among Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

New York filing particulars

Total Assets (Beginning of Year)$318M
Net Assets (End of Year)$275M
Net Income-$43M
Employer EIN161268674
Plan Effective Date1979-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Nbt Bancorp Inc.)

Sponsor-wide plan assets over time

All Nbt Bancorp Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$492M 26.54972165024275% vs 2022
2024 filing year
$350M$400M$450M$500M$550M 202220232024 $388M $492M ▲ +26.5%
Year Plans Participants Total Assets
2022 2 3,368 $388M
2023 2 3,453 $443M
2024 2 3,828 $492M

Nearby 401(k) Plans in New York

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000 -200204060 Total assets ($B) Participants Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan, Total assets ($B): 0.275078923 · Participants: 1777Nbt Bancorp Inc. 401(k) & Employee Stock Ownership PlanIBM 401 (K) Plus Plan, Total assets ($B): 53.363875208 · Participants: 56376IBM 401 (K) Plus PlanMorgan Stanley 401(k) Plan, Total assets ($B): 16.415517176 · Participants: 42924Morgan Stanley 401(k) PlanThe Pepsico Savings Plan, Total assets ($B): 12.067222 · Participants: 129846The Pepsico Savings PlanDeloitte 401(k) Plan, Total assets ($B): 10.966899716 · Participants: 74687Deloitte 401(k) PlanThe Goldman Sachs 401(k) Plan, Total assets ($B): 9.681988279 · Participants: 22650The Goldman Sachs 401(k) Plan
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants
Compare Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan side-by-side with 3 peers →

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's out-of-state 401(k) peers by assets and headcount

Outside New York, the nearest 401(k) by assets is The Middleby Corporation Profit Sharing Plan in IL ($275M); by covered participants it is Legility, LLC 401(k) Plan in TN (1,777 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($275M here).

Similar participant headcount

Nearest other-state filings by covered participants (1,777 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan assets move in 2022? ▼
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan pulled back noticeably - down 13.5% during 2022, from $318M to $275M. Reported net income was -$43M.
How have Nbt Bancorp Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Nbt Bancorp Inc.'s sponsor-wide assets grew 26.5%, from $388M to $492M.
Where does Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan rank by assets among Form 5500 filers? ▼
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan ranks in the 97th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 5% of all filed plans by assets).
Which 401(k) plans are similar in size to Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by assets is The Middleby Corporation Profit Sharing Plan in IL ($275M, 5,094 participants).
Which 401(k) plans cover a similar participant headcount to Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Legility, LLC 401(k) Plan in TN (1,777 participants, N/A in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 161268674.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.