401(k) · DOL Form 5500 · 2022
Manufacturers and Traders Trust Co. 401(k) Plan
Data updated 2026-08-25
- $4.1B
- Total assets Very large vs avg
- 16,944
- Participants Very large workforce
- 100th
- Percentile by assets National rank
- $239,348
- Avg per participant Above avg balance/head
Official DOL plan name: M & T Bank Corporation Retirement Savings Plan · Sponsored by Manufacturers and Traders Trust Co. · New York · Finance & Insurance
$4.1B in assets, 16,944 participants
Manufacturers and Traders Trust Co.'s M & T Bank Corporation Retirement Savings Plan reported $4.1B in total assets and 16,944 participants in its 2022 DOL Form 5500 filing, ranking in the 100th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.
- #9,209 in Finance & Insurance (9,261 peers)
Coverage in New York
M & T Bank Corporation Retirement Savings Plan covers 16,944 participants in New York, 21x the typical New York plan (state average ~798 per filing). Assets: $4.1B.
- #9,209
- in Finance & Insurance (9,261 peers)
- +11.9%
- assets growth YoY
- 41×
- vs typical plan assets (national mean)
The plan reported a net loss of $613M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
M & T Bank Corporation Retirement Savings Plan's outsized position by total assets
M & T Bank Corporation Retirement Savings Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$4,055,519,049 Highest reported value at or above every one of 139,123 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022
M & T Bank Corporation Retirement Savings Plan's mega-plan peer group by participant headcount
Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. M & T Bank Corporation Retirement Savings Plan is a mega filing (16,944 participants), the rightmost band on the breakdown.
DOL schedule card
Filing strip 160538020 · Manufacturers and Traders Trust Co. PY 2022 · 401(k)
M & T Bank Corporation Retirement Savings Plan · $4.1B · 16,944 · 100th
- BOY $4.1B
- BOY 16,944
- BOY 100th
- BOY 401(k)
- BOY near Westrock Company 401(k) Retirement Savings Plan
- BOY ind #9209
Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in New York →
M & T Bank Corporation Retirement Savings Plan in the asset neighbourhood
New York filing particulars
| Total Assets (Beginning of Year) | $3.6B |
|---|---|
| Net Assets (End of Year) | $4.1B |
| Net Income | -$613M |
| Employer EIN | 160538020 |
| Plan Effective Date | 1986-04-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Manufacturers and Traders Trust Co.)
Sponsor-wide plan assets over time
All Manufacturers and Traders Trust Co. plans reported in each filing year
- Latest sponsor-wide plan assets
- $8.4B 20.13095740333194% vs 2022
- 2024 filing year
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 4 | 27,419 | $7.0B |
| 2023 | 2 | 26,941 | $7.8B |
| 2024 | 2 | 25,986 | $8.4B |
Nearby 401(k) Plans in New York
Peer 401(k) plans, same state, same plan type, ranked by total assets.
- IBM 401 (K) Plus Plan $53.4B · 56,376
- Morgan Stanley 401(k) Plan $16.4B · 42,924
- The Pepsico Savings Plan $12.1B · 129,846
- Deloitte 401(k) Plan $11.0B · 74,687
- The Goldman Sachs 401(k) Plan $9.7B · 22,650
Scale composition for M & T Bank Corporation Retirement Savings Plan
M & T Bank Corporation Retirement Savings Plan reports $4.1B in end-of-year assets across 16,944 participants (0.033% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.018% of 93,925,755 covered participants) - about $239,348 per participant (1.7x the national average assets-per-participant) . Net income for plan year 2022 was -$613M.
This plan identity (EIN 160538020, plan #004) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $4.1B to $5.2B (+28.2%) while covered participants moved from 16,944 to 22,161 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 16,944 | $4.1B | This page |
| 2023 | 22,713 | $4.6B | Open filing |
| 2024 · index core | 22,161 | $5.2B | Open filing |
The same sponsor also keeps 2 other index-core plans on PlainRetire:
- M & T Bank Corporation Retirement Savings Plan (401(k), $5.2B, 22,161 participants)
- M&t Bank Corporation Pension Plan (Defined Benefit (Pension), $3.2B, 3,825 participants)
M & T Bank Corporation Retirement Savings Plan's out-of-state 401(k) peers by assets and headcount
Outside New York, the nearest 401(k) by assets is Westrock Company 401(k) Retirement Savings Plan in GA ($4.1B); by covered participants it is Aecom Retirement & Savings Plan in TX (16,940 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($4.1B here).
- Westrock Company 401(k) Retirement Savings Plan (GA) $4.1B · 33,067
- Schneider Electric 401(k) Plan (IL) $4.1B · 16,201
- Federal Express Corporation Pilots Retirement Savings Plan (TN) $4.0B · 5,305
- Td 401(k) Retirement Plan (ME) $4.1B · 26,725
Similar participant headcount
Nearest other-state filings by covered participants (16,944 participants); asset peers above are excluded.
- Aecom Retirement & Savings Plan (TX) 16,940 · 4 off
- Bridgestone Americas, Inc. Incentive Savings Plan (TN) 16,954 · 10 off
- American Red Cross Savings Plan (DC) 16,931 · 13 off
- The Dow Chemical Company Employees' Savings Plan (MI) 16,930 · 14 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.