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 · plan year 2024, filed Jul 18, 2025
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101 other employer plans in New York have policy years ending in January. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
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.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FIRST UNUM LIFE INSURANCE COMPANY | Life | 21,921 | Jan 2, 2025 | $11,403,539 | $282,064 |
| FIRST UNUM LIFE INSURANCE COMPANY | Disability | 21,391 | Jan 2, 2025 | $6,815,118 | $39,141 |
| ACE AMERICAN INSURANCE COMPANY | Life | 22,782 | Jul 2, 2025 | $35,581 | $5,337 |
| FIRST UNUM LIFE INSURANCE COMPANY | Disability | 10,386 | Jan 2, 2025 | $3,976,874 | $0 |
| VISION SERVICE PLAN | Vision | 14,847 | Jan 1, 2025 | $1,968,323 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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Renewal calendar
101 other employer plans in New York are February 1 renewals (policy year ends January).
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