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NBT Bancorp 401(k) retirement plan: the investment options
Does your 401(k) vote the way you would? T. Rowe Price Retirement 2030 Fund is the largest fund in the NBT Bancorp plan that publishes its votes. Answer 3 of its ballots from this season, then see your result.
The question on the ballot
As filed
NBT Bancorp 401(k) match and balances, from the filing
- Company money in
- about $3,460 per active participant
- $7m in plan year 2024
- Employees saved
- about $6,740 each
- $14m in plan year 2024
- Average balance
- $143,400
- 2,555 people with a balance
- In the plan
- $366m
- at the end of plan year 2024
Company money is the match plus any other employer contributions, averaged over all 2,046 active participants, including anyone who did not contribute. The filing reports dollars, not the match formula; the plan’s summary plan description states the formula.
SourceThe plan’s annual report to the Department of Labor — Form 5500, Schedule H, plan year 2024 · filed by NBT BANCORP INC. as “NBT BANCORP INC. 401(K) & EMPLOYEE STOCK OWNERSHIP PLAN” · EIN 161268674, plan number 002 · search the filings
These are the funds in the NBT Bancorp retirement plan whose voting records we can trace, taken from the plan’s own annual filing. The figures show what each one did with shareholder proposals.
SourceThe fund menu is the list of investments in NBT Bancorp’s own annual retirement-plan filing · open the filing
| Fund | Climate | Workers | Pay equity | Exec pay backed |
|---|---|---|---|---|
| T. Rowe Price Retirement 2030 Fund listed as “T-Rowe Price Retirement 2030 Fund” · record folded from the funds it holds | 14 of 235 | 4 of 76 | 2 of 13 | 95.3% |
| T. Rowe Price Retirement 2040 Fund listed as “T-Rowe Price Retirement 2040 Fund” · record folded from the funds it holds | 12 of 181 | 4 of 58 | 2 of 9 | 95.1% |
| Fidelity 500 Index Fund listed as “Fidelity 500 Index Fund” | 0 of 66 | 0 of 20 | 0 of 6 | 96.8% |
| T. Rowe Price Growth Stock Fund, Inc. listed as “T-Rowe Price Growth Stock Fund” | 0 of 15 | 0 of 9 | — | 93.6% |
| T. Rowe Price Retirement 2050 Fund listed as “T-Rowe Price Retirement 2050 Fund” · record folded from the funds it holds | 12 of 181 | 4 of 58 | 2 of 9 | 95.1% |
| T. Rowe Price Retirement 2020 Fund listed as “T-Rowe Price Retirement 2020 Fund” · record folded from the funds it holds | 14 of 235 | 4 of 76 | 2 of 13 | 95.3% |
| Vanguard Morningstar Mid-Cap Index Fund listed as “Vanguard Mid-Cap Index Fund Institutional” | 0 of 13 | 0 of 3 | 0 of 2 | 97.6% |
| New Perspective Fund listed as “American Funds New Perspective Fund” | 0 of 30 | 0 of 11 | 0 of 1 | 90.4% |
| Columbia Dividend Income Fund listed as “Columbia Dividend Income Fund S” | 1 of 27 | 0 of 7 | 0 of 2 | 90.8% |
| T. Rowe Price Mid-Cap Growth Fund, Inc. listed as “T-Rowe Price Mid Cap-Growth Fund” | 0 of 1 | — | — | 93.5% |
| T. Rowe Price Dividend Growth Fund, Inc. listed as “T-Rowe Price Dividend Growth Fund” | 1 of 25 | 0 of 6 | 0 of 1 | 100% |
| T. Rowe Price Retirement 2060 Fund listed as “T-Rowe Price Retirement 2060 Fund” · record folded from the funds it holds | 12 of 181 | 4 of 58 | 2 of 9 | 95.1% |
| T. Rowe Price Small-Cap Value Fund, Inc. listed as “T-Rowe Price Small-Capital Value Fund” | 0 of 1 | — | — | 91% |
| EUPAC Fund listed as “American Fund EUPAC Fund” | 0 of 3 | — | — | 98.5% |
| T. Rowe Price Retirement Balanced Fund listed as “T-Rowe Price Retirement Balance Fund” · record folded from the funds it holds | 14 of 235 | 4 of 76 | 2 of 13 | 95.3% |
| the Emerging Markets Series listed as “DFA Emerging Markets Portfolio Institutional” | — | — | — | 83.3% |
| T. Rowe Price Retirement 2010 Fund listed as “T-Rowe Price Retirement 2010 Fund” · record folded from the funds it holds | 14 of 235 | 4 of 76 | 2 of 13 | 95.3% |
| U.S. Sustainability Core 1 Portfolio listed as “DFA US Sustainability Core 1 Portfolio” | 29 of 60 | 2 of 18 | 0 of 7 | 78.7% |
What this means for you
Most people are in whichever fund their plan made the default, and never look again. The figures above are the part nobody shows you when you pick: not the fee, not last year's return, but what the fund did with the shares your savings paid for.
Vote the full deck for this plan’s fund →
Other employer plans
The largest employer plans on the site, and a few more. Each page shows what the plan’s funds did with the shares its savers paid for.