PlanOptica
Retirement plan

CITI RETIREMENT SAVINGS PLAN

CITIGROUP INC.EIN 52-1568099Plan #004PY 2023
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750 WASHINGTON BLVD 8TH FLOOR - STAMFORD, CT 06901718-248-1017
Other plans on this EIN
1 filing
#020Retirement-$10.61B assets
Prospect flagsCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
JEANNINE HYMAN
Signed 10/11/2024
(718) 248-1017
Plan administrator signer
JEAN ROMA
Signed 10/11/2024
Plan administrator entity
PLANS ADMIN COMM OF CITIGROUP INC.
EIN 521568099
DEPT 01488, PO BOX 299107 · LEWISVILLE, TX 750299107
(800) 881-3938
How to read this page

Summary metrics

Total assets (EOY)
$20653M
-7.2% from 2016
Total participants
125,934
+2.6% from 2016
Average account balance
$169,929
-9.8% from 2016
Annual return
17.68%
-9.39 pp from 2016

Benchmarks

See 90 peers
Peer group
Industry52 - Finance and Insurance
Plan typeDefined contribution
Participants>=10,000
Cohort90 peers
Snapshot2023
Participant deferral / active EE
$10,830
median $8,090
Employer contribution / active EE
$6,842
median $4,596
Participation rate
94.4%
median 96.7%
Avg account balance
$169,929
median $125,798
Admin fee / account holder
$132
median $54
Annual return
17.68%
median 18.72%
Overall peer rank
51st percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$23.24B
Average account balance
Total assets / participants with a balance (line 6g)
$198K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
117,203
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
94.5%
Contributions (total)
Employer and participant dollars contributed each year
$1.46B
Contributions per participant
Average employer and participant contribution per enrolled participant
$20K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+14.88%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$174
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 10 of 27 by compensation
ProviderService typeCompensation
ALIGHT SOLUTIONS LLC7 years
Service code 15 · EIN 82-1061233
Recordkeeping
$4,578,742
BLACKROCK INSTITUTIONAL TRUST CO,NA6 years
Service code 21 · EIN 94-3112180
Bank Trustee
$3,186,590
BANK OF NEW YORK MELLON9+ years
Service code 18 · EIN 13-5160382
Other fees; Investment management fee...
$961,635
MFS INSTITUTIONAL ADVISORS4 years
Service code 28 · EIN 04-3247425
Investment Management
$815,452
T ROWE PRICE ASSOCIATES, INC.6 years
Service code 28 · EIN 52-0556948
Investment Management
$757,553
WCM INVESTMENT MANAGEMENT, LLC6 years
Service code 28 · EIN 95-3046237
Investment Management
$734,325
LAZARD ASSET MANAGEMENT LLC7 years
Service code 26
30 ROCKEFELLER PLAZA · NEW YORK, NY 10112
Advisory (Participants)
$664,905
TT INTERNATIONAL9+ years
Service code 28
Investment Management
$481,878
INSIGHT INVESTMENTS3 years
Service code 28
200 PARK AVENUE · NEW YORK, NY 10166
Investment Management
$470,784
WILLIAM BLAIR INVESTMENT MGMT, LLC7 years
Service code 28 · EIN 47-2614791
Investment Management
$445,544

Top hat statement on fileNQDC

Filed July 1, 2011 (most recent of 5 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes2E2F2G2J2K2O2S2T3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2O
    ESOP other than a leveraged ESOP
    Employee stock ownership plan that is not leveraged.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped
  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II
Admin total
$16.0M
$203 / participant
  • Trustee / custodial$932K5.8%
  • Investment mgmt$10M60.5%
  • Legal$38K0.2%
  • Other trustee fees$489K3.1%
  • Contract admin$5M28.6%
  • Other / not subdivided$298K1.9%
% of EOY assets
0.078%
all-in expense ratio
Categories reported
5 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
KPMG LLP
Auditor EIN
135565207
Audit fees
$297,971
Opinion code
Unqualified