Manufacturers and Traders Trust 401(k) and pension plans
Manufacturers and Traders Trust Co., Buffalo, NY. EIN 16-0538020. Annual reports 2009–2025. Also filed as Hudson City Savings Bank; Manufacturers and Traders Trust Co; Peoples United Bank; Peoples United Bank, N.A.
Manufacturers and Traders Trust Co. has 3 active retirement plans on file. The largest is the M & T Bank Corporation Retirement Savings Plan, with 32,385 participants and $5.8 billion in assets in 2025. T. Rowe Price has been its recordkeeper since 2009.
M&T Bank Corporation One M and T Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2023
In effect since
January 1, 2007
Plans merged into this one: Bank of Smithtown Employee Stock Ownership Plan (2012).
Earlier sponsor: Peoples United Financial, Inc. (2009–2020).
Year by year, 2009 to 2023
Plan year
Participants
Net assets
Recordkeeper
2023
0
$0
not listed
2022
4,762
$46.6 million
Fidelity
2021
5,316
$15.4 million
Fidelity
2020
n/a
$-36.4 million
Fidelity
2019
n/a
$-7.4 million
Fidelity
2018
4,538
$-29.8 million
Fidelity
2017
4,369
$17.3 million
Fidelity
2016
4,504
$21.4 million
Fidelity
2015
4,790
$-21.4 million
Fidelity
2014
4,325
$-34.2 million
Mercer
2013
4,477
$-36.8 million
Mercer
2012
4,197
$-71.0 million
not listed
2011
4,065
$-66.6 million
not listed
2010
3,872
$-57.2 million
not listed
2009
2,254
$-31.3 million
not listed
People'S United Bank, N.A. 401(k) Employee Savings Plan
401(k)Merged
Merged. In 2022 its assets moved to the M and T Bank Corporation Retirement Savings Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 004). Accounts moved with them, so that plan is the one to contact.
M&T Bank Employee Benefit Plans Committee One M and T Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2022
In effect since
January 1, 1966
Plans merged into this one: Sbera 401(k) Plan As Adopted By Riverbank (2013); Suffolk County National Bank 401(k) Savings & (2018); Farmington Bank 401(k) Plan (2019); Community Bank & Trust Salary Savings Plan (2010); Sbera 401(k) Plan As Adopted By Danversbank (2014); Chittenden Corporation Incentive Savings & Profit Sharing Plan (2009).
Earlier sponsors: Peoples United Bank (2009–2014); People'S United Bank, National Association (2015–2020).
Earlier plan names: People'S United Bank 401(k) Employee Savings Plan; People'S United Bank 401K Employee Savings Plan; Peoples United Bank 401K Employee Savings Plan; People'S United Bank N.A. 401(k) Employee Savings Plan.
Year by year, 2009 to 2022
Plan year
Participants
Net assets
Recordkeeper
2022
0
$0
Fidelity
2021
8,409
$1.4 billion
Fidelity
2020
8,716
$1.2 billion
Fidelity
2019
9,024
$1.1 billion
Fidelity
2018
8,287
$874 million
Fidelity
2017
7,489
$911 million
Fidelity
2016
7,689
$795 million
Fidelity
2015
8,181
$737 million
Fidelity
2014
7,575
$726 million
Mercer
2013
7,679
$683 million
Mercer
2012
7,317
$553 million
Mercer
2011
7,296
$503 million
Mercer
2010
7,018
$503 million
Mercer
2009
6,767
$468 million
Mercer
People'S United Bank, N.A. Employees' Retirement Plan
Cash balance pension, frozenMerged
Merged. In 2022 its assets moved to the M&T Bank Corporation Pension Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 002). Accounts moved with them, so that plan is the one to contact.
Plan number
010Employer EIN 16-0538020
Participants (2021)
6,182
Net assets (2021)
$921 million
Plan administrator
Manufacturers and Traders Trust Co. One M and T Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2022
In effect since
May 1, 1958
Plans merged into this one: Farmington Bank Defined Benefit Employees' Pension Plan (2020); The Retirement Plan for Employees of Beverly National Bank (2012); Suffolk County National Bank Pension Plan (2017); Chittenden Pension Account Plan (2018).
Earlier sponsors: Peoples United Bank (2009–2013); People'S United Bank, National Association (2014–2020).
Earlier plan names: Peoples United Bank Employees Retirement Plan; People'S United Bank Employees' Retirement Plan.
Year by year, 2009 to 2022
Plan year
Participants
Net assets
Recordkeeper
2022
0
$0
not listed
2021
6,182
$921 million
not listed
2020
6,189
$801 million
not listed
2019
6,061
$688 million
not listed
2018
6,071
$576 million
not listed
2017
4,317
$527 million
not listed
2016
4,379
$430 million
not listed
2015
4,427
$419 million
not listed
2014
4,487
$438 million
not listed
2013
4,524
$388 million
not listed
2012
4,617
$335 million
not listed
2011
4,515
$303 million
not listed
2010
4,565
$318 million
not listed
2009
4,212
$274 million
not listed
United Bank 401(k) Plan
401(k) with ESOPClosed
Closed. The plan filed its final annual report for 2021, which means its assets were paid out or moved and it no longer exists.
Manufacturers and Traders Trust Co. One M and T Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2021
In effect since
January 1, 1992
Employee Stock Ownership Plan of Hudson City Savings Bank
Employee stock ownership plan (ESOP)Closed
Closed. The plan filed its final annual report for 2017, which means its assets were paid out or moved and it no longer exists.
Plan number
009Employer EIN 16-0538020
Participants (2016)
1,655
Net assets (2016)
$250 million
Plan administrator
Manufacturers and Traders Trust Co One MT Plaza Buffalo, NY 14203 (716) 842-5872As filed for 2017
In effect since
October 1, 1998
Earlier sponsors: Hudson City Savings Bank (2009–2010); J. Christopher Nettleton (2011–2014).
Year by year, 2009 to 2017
Plan year
Participants
Net assets
Recordkeeper
2017
0
$0
not listed
2016
1,655
$250 million
not listed
2015
1,653
$225 million
not listed
2014
1,644
$178 million
not listed
2013
1,713
$156 million
not listed
2012
1,903
$105 million
not listed
2011
1,866
$30.6 million
not listed
2010
1,736
$301 million
not listed
2009
1,724
$342 million
not listed
401(k) PLAN of Hudson City Savings Bank
401(k)Merged
Merged. In 2016 its assets moved to the M&T Bank Corporation Retirement Savings Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 004). Accounts moved with them, so that plan is the one to contact.
Manufacturers and Traders Trust Co One MT Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2016
In effect since
January 1, 1974
Earlier sponsor: Hudson City Savings Bank (2009–2014).
Earlier plan names: Profit Incentive Bonus Plan of Hudson City Savings Bank.
Year by year, 2009 to 2016
Plan year
Participants
Net assets
Recordkeeper
2016
0
$0
Fidelity
2015
1,800
$71.7 million
Fidelity
2014
1,857
$79.6 million
Fidelity
2013
1,715
$75.1 million
Fidelity
2012
1,894
$65.6 million
Fidelity
2011
1,847
$55.2 million
Fidelity
2010
1,735
$73.9 million
Fidelity
2009
1,678
$71.1 million
not listed
Employee Retirement Plan of Hudson City Savings Bank
Pension (defined benefit)Merged
Merged. In 2016 its assets moved to the M&T Bank Corporation Pension Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 002). Accounts moved with them, so that plan is the one to contact.
Plan number
007Employer EIN 16-0538020
Participants (2015)
1,406
Net assets (2015)
$180 million
Plan administrator
Manufacturers and Traders Trust Co One MT Plaza Buffalo, NY 14203 (716) 842-5746As filed for 2016
In effect since
January 1, 1970
Earlier sponsors: Hudson City Savings Bank (2009–2010); J. Christopher Nettleton (2011–2014).
Year by year, 2009 to 2016
Plan year
Participants
Net assets
Recordkeeper
2016
0
$0
not listed
2015
1,406
$180 million
not listed
2014
1,412
$187 million
not listed
2013
1,470
$177 million
not listed
2012
1,478
$160 million
not listed
2011
1,483
$148 million
not listed
2010
1,490
$170 million
not listed
2009
1,523
$144 million
not listed
The Retirement Accumulation Plan of Premier National Bancorp, Inc.
Cash balance pension, frozenMerged
Merged. In 2012 its assets moved to the M & T Bank Corporation Pension Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 002). Accounts moved with them, so that plan is the one to contact.
Plan number
005Employer EIN 16-0538020
Participants (2011)
294
Net assets (2011)
$6.7 million
Plan administrator
M and T Bank One M and T Plaza, 11TH Floor Buffalo, NY 14203 (716) 842-5872As filed for 2012
In effect since
June 1, 1949
Earlier plan names: The Retirement Accumulation Plan of Premier National Bancorp, Inc. in Rsi Retirement Trust.
Year by year, 2009 to 2012
Plan year
Participants
Net assets
Recordkeeper
2012
0
$0
not listed
2011
294
$6.7 million
not listed
2010
312
$5.3 million
not listed
2009
347
$5.6 million
not listed
Provident Bank Pension Plan Sponsored By M and T Bank
Cash balance pensionMerged
Merged. In 2012 its assets moved to the M & T Bank Corporation Pension Plan, sponsored by Manufacturers and Traders Trust Co. (EIN 16-0538020, plan 002). Accounts moved with them, so that plan is the one to contact.
Plan number
333Employer EIN 16-0538020
Participants (2011)
965
Net assets (2011)
$52.1 million
Plan administrator
Employee Benefits Plan Committee One M and T Plaza Buffalo, NY 14203 (716) 842-5596As filed for 2012
In effect since
April 1, 1948
Earlier sponsor: Manufacturers and Traders Trust Company (2009–2010).
Earlier plan names: Provident Bank Pension Plan.
Year by year, 2009 to 2012
Plan year
Participants
Net assets
Recordkeeper
2012
0
$0
not listed
2011
965
$52.1 million
not listed
2010
1,011
$53.7 million
not listed
2009
1,068
$52.6 million
not listed
Partners Trust Financial Group, Inc. Employee Stock Ownership Plan
Employee stock ownership plan (ESOP)Closed
Closed. The plan filed its final annual report for 2011, which means its assets were paid out or moved and it no longer exists.
Plan number
006Employer EIN 16-0538020
Participants (2010)
688
Net assets (2010)
$17.5 million
Plan administrator
M & T Bank Corporation One M T Plaza Buffalo, NY 14203 (716) 842-2385As filed for 2011
In effect since
January 1, 2002
Year by year, 2009 to 2011
Plan year
Participants
Net assets
Recordkeeper
2011
0
$0
not listed
2010
688
$17.5 million
not listed
2009
691
$16.7 million
not listed
If you had money in one of these plans
Call T. Rowe Price (troweprice.com), which runs the M & T Bank Corporation Retirement Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((716) 842-5746). That number was filed for 2025; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
If your plan closed, unclaimed balances usually went to an IRA in your name, to the PBGC's missing participants program, or to state unclaimed property. Here is how to check each one.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.
What these numbers are
They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.