401(k) Overview


NBT Financial Group believes in building partnerships. When it comes to 401(k) plans, our personal service is in a class by itself. You’ll have a retirement plan specialist dedicated to your plan. This specialist will guide you through plan design, fund selection, compliance matters and ongoing administration. You’ll be involved but not bogged down. We take care of the details.

You’re probably too busy running your business to become a retirement plan expert. At the same time, you need an effective 401(k) plan to attract and retain quality employees. Fortunately, NBT Financial Group has a solution.

We have the expertise to deliver a 401(k) tailored to the needs of your employees. Our approach to designing and administering 401(k) plans is based on decades of experience, proven investment strategies and personal service. With us, you’ll receive:

  • One-on-one time whenever you need it, not just annual visits.
  • A disciplined investment selection process to ensure participants have access to a wide range of asset classes and investing styles.
  • An ongoing review process to identify funds that underperform or stray from their stated objectives.
  • Documented, prudent processes based on best practices in the 401(k) industry ensuring your plan complies with all laws and regulations.