Retirement plan

CITIZENS DEPOSIT BANK OF ARLINGTON 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

Name: CITIZENS DEPOSIT BANK OF ARLINGTON - CITIZENS DEPOSIT BANK OF ARLINGTON 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN (2025) Form 5500
Creator: CITIZENS DEPOSIT BANK OF ARLINGTON
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CITIZENS DEPOSIT BANK OF ARLINGTON 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN, CITIZENS DEPOSIT BANK OF ARLINGTON

CITIZENS DEPOSIT BANK OF ARLINGTONEIN 61-0433632Plan #001PY 2025

#1 WALNUT STREET, P.O. BOX 10 - ARLINGTON, KY 42021270-655-6921citizensdepositbank.comLinkedIn11-50 employeesbanking

Prospect flagsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$7.9M

+16.9% from 2024

Total participants

-8.2% from 2024

Average account balance

$140,607

+27.3% from 2024

Annual return

12.85%

+2.50 pp from 2024

Benchmarks

See 1,694 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort1,694 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$7.87M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$141K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$375K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.85%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$1884

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2H2J2R3D

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).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$105K

$1884 / participant

Other / not subdivided$105K100.0%

% of EOY assets

1.340%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$140,607

$142,972-1.7%

$214,702-34.5%

$86,983+61.6%

Participation rate

100.0%

84.9%+15.1pp

87.5%+12.5pp

69.5%+30.5pp

Annual return

12.85%

18.49%-5.6pp

54.55%-41.7pp

25.83%-13.0pp

Employer contribution / active EE

$3,860

$4,635-16.7%

$6,461-40.3%

$2,584+49.4%

Participant deferral / active EE

$2,844

$6,568-56.7%

$9,147-68.9%

$4,194-32.2%

Admin fee / account holder

$1,884

$17,617-89.3%

$19,830-90.5%

$7,856-76.0%

CITIZENS DEPOSIT BANK OF ARLINGTON 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CITIZENS DEPOSIT BANK OF ARLINGTON 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion