Plan5500

M & T Bank Corporation Retirement Savings Plan — Form 5500 plan (Manufacturers And Traders Trust Co.)

Plain-English plan summary

According to public Form 5500 filings published through the U.S. Department of Labor (DOL) Employee Benefits Security Administration (EBSA) via the EFAST2 system, M & T Bank Corporation Retirement Savings Plan is a benefit plan reported by Manufacturers And Traders Trust Co. under EIN 16-0538020 and plan number 004. The latest loaded filing year is 2023. The filing reports 32,665 participants and $4,605,086,091 in end-of-year plan assets, where available in the loaded dataset.

Form 5500 plan profile · 2023

Key reported metrics

Net assets (EOY)$4.6BPlan net assets, end of year$4,605,086,091
Participants32.7KCovered participants reported32,665
Assets / participant$141KComputed: assets ÷ participants$140,979 (computed)
Provider compensation$1.7M6 Schedule C provider row(s)$1,722,098
Plan sponsor
Manufacturers And Traders Trust Co.
EIN
16-0538020
Plan number
004
Plan type
2
Location
Buffalo, NY
Latest filing year
2023
How to read this plan profile
  • Net assets = total assets minus total liabilities, end of year (Schedule H/I).
  • Assets / participant is computed (assets ÷ reported participants) — a ratio, not a filed figure.
  • Schedule chips (Sch H / I / C) show which schedules each filing includes.
  • Fields a filing did not report are labeled not reported in the loaded dataset — never estimated.
  • Figures are reported as filed, in whole dollars; verify against the official DOL/EBSA record before relying on them.
EFAST2 filings

Form 5500 filing history

Each loaded annual filing for this plan. Open one for its full reported snapshot.

  1. 2023
    32,665 participants · 2Sch HSch C
    View filing →
Schedule H · 2023

Reported financial statement

Reported figures as filed, in whole dollars. Only fields the filing reports are shown; others are marked not reported.

Reported balance (end of year)$4.6B total assets
Net assets$4.6BLiabilities$0
Money in vs. money out
Total income / additions$982.2M
Total expenses$432.6M
Benefits paid / distributions$430M
Contributions
Employer$141.2M
Participant$170.4M
Full reported line items

Net assets

Total assets (EOY)
$4,605,086,091
Total liabilities (EOY)
$0
Net assets (EOY)
$4,605,086,091
Net assets (BOY)
$4,055,519,049

Income & contributions

Employer contributions
$141,163,245
Participant contributions
$170,371,188
Total contributions
$339,625,215
Total income / additions
$982,202,298

Expenses & distributions

Benefits paid
$429,985,835
Administrative expenses
$2,643,878
Total expenses
$432,635,256
Net increase / (decrease)
$549,567,042
Computed from reported fields

Reported ratios

Derived only from this plan's own reported figures — comparisons within the filing, not benchmarks, estimates, or national averages.

Contribution share (employer vs. participant)
Employer 45%Participant 55%
Total expenses ÷ net assets9%Computed ratio
Benefits paid ÷ total income44%Computed ratio
Provider comp. ÷ net assets0%Computed ratio
Schedule C

Service provider compensation

Reported direct + indirect compensation per provider, ranked. Bars show relative scale.

  1. 1
    T Rowe Price Rps Inc$1.5M
    NONE · Direct $1.5M · Indirect $0
  2. 2
    Towers Watson$97.5K
    NONE · Direct $97.5K
  3. 3
    Pricewaterhousecoopers Llp$58.3K
    NONE · Direct $58.3K
  4. 4
    Pkf O'Connor Davies Llp$24.6K
    NONE · Direct $24.6K
  5. 5
    Fidelity Investment Inst Operations$19.5K
    NONE · Direct $19.5K
  6. 6
    Alight Solutions LLC$9.1K
    NONE · Direct $9.1K

What to inspect next

Frequently asked questions

Who sponsors the M & T Bank Corporation Retirement Savings Plan?
M & T Bank Corporation Retirement Savings Plan is reported as sponsored by Manufacturers And Traders Trust Co. (EIN 16-0538020, plan number 004) in public Form 5500 filings.
What is the most recent Form 5500 filing year for M & T Bank Corporation Retirement Savings Plan?
The latest Form 5500 filing year loaded for M & T Bank Corporation Retirement Savings Plan is 2023.
How many participants does M & T Bank Corporation Retirement Savings Plan report?
M & T Bank Corporation Retirement Savings Plan reports 32,665 participants in its latest loaded Form 5500 filing.
What are the reported plan assets for M & T Bank Corporation Retirement Savings Plan?
M & T Bank Corporation Retirement Savings Plan reports $4,605,086,091 in end-of-year plan assets in its latest loaded Form 5500 filing.
Form 5500 terms, in plain English
Form 5500
The annual report most U.S. employee benefit plans file with the Department of Labor through the EFAST2 system. It documents the plan sponsor, participants, finances, and service-provider compensation.
Schedule H
The financial statement for larger plans (generally 100+ participants): assets, liabilities, net assets, income, expenses, and the net change.
Schedule I
The condensed financial statement for smaller plans, covering the same kinds of figures in less detail.
Schedule C
Reports compensation paid to the plan’s service providers — both direct and indirect.
Net assets
Total assets minus total liabilities at the end of the year — what the plan holds for participants.
Employer / participant contributions
Money contributed to the plan by the employer and by participants during the year.

Figures are reported as filed and may contain errors or omissions. Verify against the official DOL/EBSA record before relying on any value.

Related Form 5500 pages