Manufacturers And Traders Trust Co. 401(k) Plan: Login, Facts & Contact Information

Manufacturers And Traders Trust Co. 401(k) Plan Facts

Plan name
M & T BANK CORPORATION RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
MANUFACTURERS AND TRADERS TRUST CO.
Participants
32,034 (22,296 active employees)
Former employees with a balance
8,107
Plan assets
$5,197,836,402 at Dec 31, 2024
Average account balance
$168,843 across 30,785 accounts
Employer contributions
$151,294,567 in plan year 2024 (43% of all contributions)
Recordkeeper
T Rowe Price Rps Inc
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Apr 1, 1986
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing✓ Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jul 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $356.0 million went into the plan in contributions, $151.3 million of it from the employer (43%).
  • $490.9 million was paid out to participants.
  • Investment and other income added $730.0 million.
  • Administrative expenses were $2.27 million, about $74 per account.

How the Manufacturers And Traders Trust Co. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201922,517$2.89 billion$81.4 million$178.4 million
202022,533$3.18 billion$99.9 million$206.9 million
202123,236$3.63 billion$98.0 million$270.0 million
202223,575$4.06 billion$123.7 million$321.3 million
202332,665$4.61 billion$141.2 million$430.0 million
202432,034$5.20 billion$151.3 million$490.9 million

Manufacturers And Traders Trust Co. 401(k) Contact Information

Phone
716-842-5746
Mailing address
ONE MT PLAZA 345 MAIN ST, BUFFALO NY 142032308
Plan sponsor
MANUFACTURERS AND TRADERS TRUST CO.
Plan administrator
M&T BANK EMPLOYEE BENEFIT PLANS COMMITTEE
Employer identification number (EIN)
16-0538020
Plan number
004

Questions about the Manufacturers And Traders Trust Co. 401(k)

Does Manufacturers And Traders Trust Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $151.3 million, 43% of all contributions.

Does the Manufacturers And Traders Trust Co 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Manufacturers And Traders Trust Co 401(k) plan?

32,034 participants at the start of plan year 2024, 22,296 of them active employees, and 8,107 former employees who still had money in the plan.

What is the average 401(k) balance at Manufacturers And Traders Trust Co?

About $168,843 per account: $5.20 billion in plan assets across 30,785 accounts with a balance at the end of plan year 2024.

Who manages the Manufacturers And Traders Trust Co 401(k) accounts?

T. Rowe Price (listed on the filing as T ROWE PRICE RPS INC) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Manufacturers And Traders Trust Co. How do I access my 401(k)?

Your account stays with T. Rowe Price after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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