Form 5500 · Employee benefit plan · BUFFALO, NY
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN of BUFFALO, NY spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DEDECKER-SAXE ASSOCIATES INC. Coverage is written through FIRST UNUM LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0968385 · plan 520 · as of Aug 2026
Plan brief
Schedule A lists 5 insured contracts covering vision, life and disability; the largest, with FIRST UNUM LIFE INSURANCE COMPANY, covers 21,921 people.
Reported premium across the insured contracts is $24,199,435, with $326,542 in disclosed broker commissions — about 1.3% of premium.
The most recent policy period ended in January, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
DEDECKER-SAXE ASSOCIATES INC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
3 carriers appear on the filing — FIRST UNUM LIFE INSURANCE COMPANY, VISION SERVICE PLAN and ACE AMERICAN INSURANCE COMPANY — with FIRST UNUM LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FIRST UNUM LIFE INSURANCE COMPANY | Life | 21,921 | January | $11,403,539 | $282,064 |
| FIRST UNUM LIFE INSURANCE COMPANY | Disability | 21,391 | January | $6,815,118 | $39,141 |
| ACE AMERICAN INSURANCE COMPANY | Life | 22,782 | July | $35,581 | $5,337 |
| FIRST UNUM LIFE INSURANCE COMPANY | — | 10,386 | January | $3,976,874 | $0 |
| VISION SERVICE PLAN | Vision | 14,847 | December | $1,968,323 | $0 |
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