Retirement plan

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO

Name: CITIBANK, N.A. PUERTO RICO, A SUBSIDIARY OF CITIGROUP INC. - CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO (2025) Form 5500
Creator: CITIBANK, N.A. PUERTO RICO, A SUBSIDIARY OF CITIGROUP INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO, CITIBANK, N.A. PUERTO RICO, A SUBSIDIARY OF CITIGROUP INC.

CITIBANK, N.A. PUERTO RICO, A SUBSIDIARY OF CITIGROUP INC.EIN 66-0177415Plan #002PY 2025

750 WASHINGTON BLVD, 7TH FLOOR - STAMFORD, CT 06901718-248-1017LinkedIn1001-5000 employeesinvestment banking

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$57.3M

+14.2% from 2024

Total participants

342

-5.5% from 2024

Average account balance

$186,609

+19.8% from 2024

Annual return

18.07%

+5.80 pp from 2024

Benchmarks

See 5,685 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort5,685 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$57.29M

Not enough data

1 years with asset history on file

Average account balance

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

$187K

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.

307

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.

62.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.10M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+18.07%

Not enough data

1 years with return on file

Admin fee / account holder

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

$572

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

1 years with F_SCH_H allocation on file

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 6 by compensation

Provider	Service type	Compensation
BLACKROCK2 years Filed as: BLACKROCK INSTITUTIONAL TRUST CO. Service code 21 · EIN 94-3112180	Bank Trustee	$8,400
ALIGHT SOLUTIONS LLC9 years Service code 15 · EIN 82-1061233	Recordkeeping	$6,759
JP MORGAN INVESTMENT MANAGEMENT INC9 years Filed as: WCM INVESTMENT MANAGEMENT Service code 28 · EIN 95-3046237	Investment Management	$1,864
LAZARD ASSET MANAGEMENT9 years Filed as: LAZARD ASSET MANAGEMENT LLC Service code 26 30 ROCKFELLER PLAZA · NEW YORK, NY 10112	Advisory (Participants)	$1,618
WILLIAM BLAIR8 years Filed as: WILLIAM BLAIR INVESTMENT MGMT, LLC Service code 28 · EIN 47-2614791	Investment Management	$1,084
BOSTON PARTNERS9 years Service code 28 909 THIRD AVENUE, 32ND FLOOR · NEW YORK, NY 10022	Investment Management	$671

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3C3H

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.
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.
3C
Plan not intended to be qualified
A plan not intended to be qualified under Code sections 401 403 or 408.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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

$176K

$1870 / participant

Trustee / custodial$6540.4%
Investment mgmt$167K95.3%
Legal$970.1%
Contract admin$7K3.8%
Other / not subdivided$7620.4%

% of EOY assets

0.307%

all-in expense ratio

Categories reported

4 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: KPMG LLP
Auditor EIN: 135565207
Audit fees: (not subdivided)
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$186,609

$148,978+25.3%

$200,582-7.0%

$84,808+120.0%

Participation rate

62.8%

84.2%-21.5pp

86.9%-24.1pp

68.3%-5.5pp

Annual return

18.07%

28.16%-10.1pp

42.33%-24.3pp

40.90%-22.8pp

Employer contribution / active EE

$4,924

$4,815+2.3%

$6,419-23.3%

$2,631+87.2%

Participant deferral / active EE

$6,813

$7,142-4.6%

$9,331-27.0%

$4,212+61.8%

Admin fee / account holder

$572

$13,977-95.9%

$16,305-96.5%

$7,344-92.2%

Provider

Service type

Compensation

BLACKROCK2 years

Filed as: BLACKROCK INSTITUTIONAL TRUST CO.

Service code 21 · EIN 94-3112180

Bank Trustee

$8,400

ALIGHT SOLUTIONS LLC9 years

Service code 15 · EIN 82-1061233

Recordkeeping

$6,759

JP MORGAN INVESTMENT MANAGEMENT INC9 years

Filed as: WCM INVESTMENT MANAGEMENT

Service code 28 · EIN 95-3046237

Investment Management

$1,864

LAZARD ASSET MANAGEMENT9 years

Filed as: LAZARD ASSET MANAGEMENT LLC

Service code 26

30 ROCKFELLER PLAZA · NEW YORK, NY 10112

Advisory (Participants)

$1,618

WILLIAM BLAIR8 years

Filed as: WILLIAM BLAIR INVESTMENT MGMT, LLC

Service code 28 · EIN 47-2614791

Investment Management

$1,084

BOSTON PARTNERS9 years

Service code 28

909 THIRD AVENUE, 32ND FLOOR · NEW YORK, NY 10022

Investment Management

$671

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CITI RETIREMENT SAVINGS PLAN FOR PUERTO RICO

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