Coverage by line
Premium dollars by benefit type (bundled lines overlap)
- Stop-loss$494K
- Dental$257K
- Vision$257K
- Life$257K
- Long-term disability$257K
- Other$257K
Sponsor portfolioTH
CITIZENS BANK & TRUST
EIN 59-0193780accountingLatest filing 2025
Plans
3
Retirement
1
$17.8M assets
Welfare
2
$751K premiums
Participants
580
Plans on this EIN
3 filingsBenefits portfolio analytics
2 plans / $751K premiums / 348 covered livesCarrier market share
Premium dollars by Schedule A carrier
66%top
- UNITEDHEALTHCARE INSURANCE COMPANY66%
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA34%
Broker market share
Schedule A broker compensation
100%top
- FOUNDATION RISK PARTNERS CORP100%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#001
CITIZENS BANK AND TRUST 401(K) PLAN
401k
Assets$17.8M
Participants232
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501
CITIZENS BANK AND TRUST EMPLOYEE BENEFIT PLAN
Self Funded - OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)
Premiums$494K
Covered lives155
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#502
CITIZENS BANK AND TRUST GROUP INSURANCE PLAN
Fully Insured - GUARDIAN
Premiums$257K
Covered lives193
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans1
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 001 | CITIZENS BANK AND TRUST 401(K) PLAN | 401k | $17.8M | 232 | 2025 |
Welfare plans2
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 501 | CITIZENS BANK AND TRUST EMPLOYEE BENEFIT PLAN | Self Funded | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | $494K | 155 | 2024 | |
| 502 | CITIZENS BANK AND TRUST GROUP INSURANCE PLAN | Fully Insured | GUARDIAN | $257K | 193 | 2024 |
Retirement plans
Welfare plans