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Original filing (PDF)20250718143407NAL0002791472001
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN
Form 5500
FILING_RECEIVED
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN
Health & welfare plan
Signals · 2
No auditor on fileNo recordkeeper disclosed
Active participants
23,008
Accounts w/ balance
—
Plan assets (EOY)
—
Net assets (EOY)
—
Plan health score (directional)
75
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
60
Concentration risk
75
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- No independent qualified public accountant (IQPA) named.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN.
Plan sponsor
Name
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN
EIN
16-0968385
Address
1 M AND T PLZ · BUFFALO, NY · 142032309
Phone
(716) 848-7667
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
M&T BANK EMPLOYEE BENEFITS PLAN COMMITTEE
EIN
16-0968385
City
BUFFALO, NY
Phone
(716) 848-7667
Plan characteristics
Plan number
520
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-18
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4E · Vision
4H · Long-Term Disability
4L · Death Benefits (other than life insurance)
4Q · Other
4D · Dental
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsTPA / Administrator
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | 06-6033492 | HARTFORD, CT | CONTRACT ADMINISTRATOR | $12.1M | — |
| CVS CAREMARK | 05-0340626 | WOONSOCKET, RI | CONTRACT ADMINISTRATOR | $2.1M | — |
| DELTA DENTAL OF NY | 11-1980218 | NEW YORK, NY | CONTRACT ADMINISTRATOR | $620K | — |
| FIRST UNUM LIFE INSURANCE COMPANY | 01-0278678 | CHATTANOOGA, TN | CONTRACT ADMINISTRATOR | $348K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.