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Original filing (PDF)20250714122743NAL0000863027001
MANUFACTURERS AND TRADERS TRUST CO.
Form 5500
FILING_RECEIVED
M & T BANK CORPORATION RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
22,296
Accounts w/ balance
30,785
Plan assets (EOY)
$5.2B
Net assets (EOY)
$5.2B
How this plan invests
This plan
22 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (3 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MANUFACTURERS AND TRADERS TRUST CO..
Plan sponsor
Name
MANUFACTURERS AND TRADERS TRUST CO.
EIN
16-0538020
Address
ONE MT PLAZA · 345 MAIN ST · BUFFALO, NY · 142032308
Phone
(716) 842-5746
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
M&T BANK EMPLOYEE BENEFIT PLANS COMMITTEE
EIN
16-0538020
City
BUFFALO, NY
Phone
(716) 842-5746
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2I · Stock bonus
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PRICEWATERHOUSECOOPERS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T ROWE PRICE RPS INC | — | BALTIMORE, MD | NONE | $1.2M | — |
| TOWERS WATSON | — | CHICAGO, IL | NONE | $93K | — |
| PRICEWATERHOUSECOOPERS LLP | — | PHILADELPHIA, PA | NONE | $61K | — |
| ALIGHT SOLUTIONS LLC | — | CHICAGO, IL | NONE | $12K | — |
Investments
5 direct securities · 22 pooled funds· $5.7B(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$4.6B
22 holdings
Uncategorized
$1.1B
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD INST 500 INDEX TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6327546 / PN 001 | Common Collective Trust | — | — | $736.9M | 14.2% | |
| T. ROWE PRICE RETIREMENT 2030 TRUST T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $502.2M | 9.7% | |
| M&T Bank Corporation Common Stock | — | — | — | $441.1M | 8.5% | |
| T. ROWE PRICE RETIREMENT 2040 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $420.8M | 8.1% | |
| T. ROWE PRICE GROWTH STOCK TRUST T. ROWE PRICE TRUST COMPANY · EIN 52-6559833 / PN 013 | Common Collective Trust | — | — | $406.9M | 7.8% | |
| Metlife Stable Value Sol CL S Common trust fund | — | — | — | $340.4M | 6.5% | |
| GREAT GRAY CIT III FOR METLIFE GRP GREAT GRAY TRUST COMPANY, LLC · EIN 26-0142858 / PN 094 | Common Collective Trust | — | — | $340.4M | 6.5% | |
| T. ROWE PRICE RETIREMENT 2035 TRUST T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $287.9M | 5.5% | |
| T. ROWE PRICE RETIREMENT 2025 TRUST T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $272.2M | 5.2% | |
| The Vanguard Group, Inc. Institutional Extended Market Index Trust Common trust fund | — | — | — | $240.6M | 4.6% | |
| VAN INST EXTENDED MARKETS IND TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6324211 / PN 001 | Common Collective Trust | — | — | $240.6M | 4.6% | |
| T. ROWE PRICE RETIREMENT 2045 TRUST T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $206.6M | 4.0% | |
| VAN INST TOTAL INT STOCK MARKET IND VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6317280 / PN 001 | Common Collective Trust | — | — | $173.5M | 3.3% | |
| T. ROWE PRICE RETIREMENT 2020 TRUST T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $164.6M | 3.2% | |
| T. ROWE PRICE RETIREMENT 2050 TRUST T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $164.1M | 3.2% | |
| T. ROWE PRICE RETIREMENT 2055 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $125.2M | 2.4% | |
| TRP US SMALL-CAP VALUE EQUITY TRUST T. ROWE PRICE TRUST COMPANY · EIN 37-6495449 / PN 001 | Common Collective Trust | — | — | $113.7M | 2.2% | |
| MET WEST TOTAL RETURN BOND C TCW MULTIPLE INVESTMENT TRUST · EIN 26-3015340 / PN 030 | Common Collective Trust | — | — | $101.1M | 1.9% | |
| GREAT GRAY CIT DIAMOND HILL LARGE C GREAT GRAY TRUST COMPANY, LLC · EIN 20-4705609 / PN 059 | Common Collective Trust | — | — | $89.4M | 1.7% | |
| T. ROWE PRICE RETIREMENT 2060 TRUST T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $78.3M | 1.5% | |
| VAN INS TOTAL BOND MARKET IND TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6321044 / PN 001 | Common Collective Trust | — | — | $70.6M | 1.4% | |
| Meridian Small Cap Growth Fund Institutional Mutual fund investment | — | — | — | $48.4M | 0.9% | |
| Participant Loans Receivable benefits, with maturities through 2037 | — | — | — | $46.6M | 0.9% | |
| T. ROWE PRICE RETIREMENT 2015 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $36.1M | 0.7% | |
| T. ROWE PRICE RETIREMENT 2010 TRUST T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $34.8M | 0.7% | |
| TRP RETIREMENT BALANCED TRUST T. ROWE PRICE TRUST COMPANY · EIN 38-7011316 / PN 001 | Common Collective Trust | — | — | $26.3M | 0.5% | |
| T. ROWE PRICE RETIREMENT 2065 TRUST T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $22.8M | 0.4% |