Retirement plan

CITIGROUP PENSION PLAN

CITIGROUP INC.EIN 52-1568099Plan #020PY 2017
750 WASHINGTON BLVD, 8TH FLOOR - STAMFORD, CT 06901718-248-1031
Other plans on this EIN
1 filing
Prospect flagsHigh retiree %Low returns

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
JOHN SANTORO
Signed 09/21/2018
(718) 248-1031
Plan administrator signer
LORI SZERENCSY
Signed 09/21/2018
Plan administrator entity
CITI PENSION CENTER
EIN 231159360
P.O. BOX 5854 · HOPKINS, MN 55343
(800) 881-3938

Summary metrics

Total assets (EOY)
$13465.5M
+1.3% from 2016
Total participants
158,035
+6.1% from 2016
Average account balance
$0
No prior year
Annual return
7.52%
-6.05 pp from 2016

Benchmarks

Peer group
Industry52 - Finance and Insurance
Plan typeDefined benefit
Participants>=10,000
Cohort43 peers
Snapshot2017
Participant deferral / active EE
$0
median $0
Employer contribution / active EE
$5,565
median $8,745
Participation rate
0.0%
median 0.0%
Avg account balance
$0
median $14,491,905
Admin fee / account holder
$0
median $81,210
Annual return
7.52%
median 13.09%
Overall peer rank
20th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$9.99B
Average account balance
Total assets / participants with a balance (line 6g)
$83K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
105,705
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$425.00M
Contributions per participant
Average employer and participant contribution per enrolled participant
$18K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+2.32%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
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 50 by compensation
ProviderService typeCompensation
Service code 11 · EIN 23-1159360
Actuarial
$12,028,409
CITIGROUP1 year
Service code 16 · EIN 52-1568099
Consulting
$3,802,936
Service code 28
Investment Management
$3,494,224
Service code 21 · EIN 94-3112180
Bank Trustee
$2,502,616
Service code 17
527 MADISON AVENUE · NEW YORK, NY 10022
Pension Consulting
$2,500,000
Service code 15 · EIN 13-5160382
Recordkeeping
$2,154,674
Service code 28
Investment Management
$1,948,504
PIMCO3+ years
Service code 28 · EIN 33-0629048
Investment Management
$1,636,196
WAMCO3+ years
Service code 28
1 COURT SQUARE · LIC, NY 11101
Investment Management
$1,585,998
Service code 28 · EIN 90-0885967
Investment Management
$1,511,188

Enrolled actuary

1 attachment
SB

JAY MITCHELL

TOWERS WATSON DELAWARE INC.
Enrollment #1705718
200 LIBERTY STREET
NEW YORK, NY 10281
(212) 309-3400
Signed 2018-08-31

Reportable transactions (Schedule G)

4 rows

Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.

CategoryCounterpartyRelationship / TermsAddressAmount
Part 1
Loan in default
TONON LUXEMBOURG SA
Part 1
Loan in default
VIRGOLINO DE OLIVEIRA
Part 3
Non-exempt transaction
LONG-TM DIS BNFT PLAN OF CITIBANK
BNFT PLAN SPONSORED BY EMPLYR
INVOICE PAYMENT*
Part 3
Non-exempt transaction
LONG-TM DIS BNFT PLAN OF CITIBANK
BNFT PLAN SPONSORED BY EMPLYR
INVOICE PAYMENT**

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.

Plan features & details

Pension benefit codes1A1C1E3H3J
Plan features
  • 1A
    Benefits are primarily pay related
    Benefits under the plan are primarily determined with reference to a participant's pay (e.g. final-average-pay formula).
  • 1C
    Cash balance or similar plan
    A cash balance formula in a defined benefit plan that expresses the accrued benefit in terms more common to a defined contribution plan such as a hypothetical account balance or single sum amount (includes personal account plan pension equity plan life cycle plan and cash account plan).
  • 1E
    Section 401(h) arrangement
    Plan contains separate accounts under Code section 401(h) to provide employee health benefits.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).
  • 3J
    U.S.-based Puerto Rico dual-qualified plan
    U.S.-based plan that covers residents of Puerto Rico and is qualified under both Code section 401 and section 1165 of the Internal Revenue Code of Puerto Rico.

Opportunity flags

2 tripped
  • OpportunityLow returns

    Annual investment return is in the bottom quintile of the peer cohort.

  • InformationalHigh retiree %

    Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

Expense breakdown

Schedule H Part II
Admin total
$74.3M
$2851 / participant
  • Investment mgmt$38M51.2%
  • Contract admin$14M18.6%
  • Other / not subdivided$22M30.2%
% of EOY assets
0.552%
all-in expense ratio
Categories reported
2 / 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
(not subdivided)
Opinion code
Unqualified