FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2004 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _______ to _________ COMMISSION FILE NUMBER: 1-14659 ------- A. Full Title of Plan: Thrift Savings Plan B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Wilmington Trust Corporation Rodney Square North 1100 North Market Street Wilmington, DE 19890 1. The Thrift Savings Plan affords staff members the opportunity to acquire from time to time shares of Wilmington Trust Corporation's stock, as well as interests in funds which purchase a variety of investments from time to time and which may change from time to time. These include debt and equity securities. As of December 31, 2004, the names and addresses of those funds are the following: Fidelity Advisor Equity Growth (T) Separate Account Fidelity Advisor Diversified International Multi-Mgr I Principal Large Cap Stock Index Separate Account Vanguard Windsor II Fund American Century Small Company Investment Fund Principal Financial Group 710 9th Street Des Moines, IA 50309 The Wilmington Large Cap Growth Portfolio The Wilmington Large Cap Value Portfolio The Wilmington Large Cap Core Portfolio The Wilmington Small Cap Core Portfolio The Wilmington International Multi-Manager Portfolio The Wilmington Broad Market Bond Portfolio The Wilmington Large Cap Strategic Allocation Fund The Wilmington Mid Cap Strategic Allocation Fund The Wilmington Small Cap Strategic Allocation Fund The Wilmington Real Estate Portfolio The Stable Value Fund The Wilmington Trust Corporation Stock Fund Rodney Square North 1100 North Market Street Wilmington, DE 19890 2. The financial statements required to be filed for the Thrift Savings Plan, which qualifies under the Employee Retirement Income Security Act of 1974, will be filed as an amendment to this Form 11-K by June 29, 2005, 180 days after the end of the plan's fiscal year. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the following individuals, who administer the Thrift Savings Plan, have signed this Form 11-K as of March 18, 2005. /s/ David R. Gibson (SEAL) --------------------------- David R. Gibson, Chairman /s/ Michael A. DiGregorio (SEAL) --------------------------- Michael A. DiGregorio /s/ William J. Farrell II (SEAL) --------------------------- William J. Farrell II /s/ I. Gail Howard (SEAL) --------------------------- I. Gail Howard /s/ Gerald F. Sopp (SEAL) --------------------------- Gerald F. Sopp