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Original filing (PDF)20251003151302NAL0003682610001
CREDIT INDUSTRIEL ET COMMERCIAL
Form 5500
FILING_RECEIVED
CASH BALANCE RETIREMENT PLAN FOR EMPLOYEES OF CREDIT INDUSTRIEL ET COMMERCIAL
Defined-benefit pension plan
Signals · 2
71% employer stock~89 bps in Sched C fees
Active participants
93
Accounts w/ balance
—
Plan assets (EOY)
$42.8M
Net assets (EOY)
$42.8M
How this plan invests
This plan
295 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 71% of plan in employer / sponsor stock.
- 89 bps in Schedule C fees — 207% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREDIT INDUSTRIEL ET COMMERCIAL.
Plan sponsor
Name
CREDIT INDUSTRIEL ET COMMERCIAL
EIN
13-2757199
Address
520 MADISON AVENUE · NEW YORK, NY · 100224213
Phone
(212) 715-4400
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-03
Pension benefit codes
1C · Cash balance or similar hybrid DB
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | 20-8764829 | — | INVESTMENT MANAGER | $316K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIRST STATE TRUST COMPANY | 13-3124172 | — | TRUSTEE | $65K | — |
Investments
273 direct securities· $40.5M(95% of reported assets)
Uncategorized
$40.5M
271 holdings
Common Stocks
$86K
1 holding
Corporate Bonds
$2K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| US Treasury Strips & Zeros UNITED STATES TREAS BILLS 01/07/25 | — | — | $9.9M | $9.9M | 23.2% | |
| Microsoft Corp Common Stock | — | — | $463K | $1.0M | 2.4% | |
| Apple Computer Inc Common Stock | — | — | $170K | $776K | 1.8% | |
| FDIC Bank Deposit Fund Money Market Fund | — | — | $663K | $663K | 1.5% | |
| Amazon Com Inc Common Stock | — | — | $317K | $536K | 1.3% | |
| J P Morgan Chase & Co Common Stock | — | — | $250K | $490K | 1.1% | |
| Quanta Services Incorporated Common Stock | — | — | $154K | $479K | 1.1% | |
| Alphabet Inc Cl A Common Stock | — | — | $132K | $439K | 1.0% | |
| Broadcom Inc Common Stock | — | — | $215K | $398K | 0.9% | |
| Alphabet Inc Cl C Common Stock | — | — | $194K | $377K | 0.9% | |
| Church & Dwight Inc Common Stock | — | — | $202K | $354K | 0.8% | |
| Palo Alto Networks Inc Common Stock | — | — | $170K | $352K | 0.8% | |
| Servicenow Inc. Common Stock | — | — | $202K | $348K | 0.8% | |
| Unilever Plc Common Stock | — | — | $288K | $345K | 0.8% | |
| Becton Dickinson & Co Common Stock | — | — | $297K | $338K | 0.8% | |
| Pepsico Inc Common Stock | — | — | $256K | $333K | 0.8% | |
| Zoetis Inc Common Stock | — | — | $242K | $332K | 0.8% | |
| Netflix Com Inc Common Stock | — | — | $224K | $329K | 0.8% | |
| Unitedhealth Group Inc Common Stock | — | — | $234K | $312K | 0.7% | |
| Visa Inc-Class A Common Stock | — | — | $209K | $308K | 0.7% | |
| Tjx Cos Inc Common Stock | — | — | $169K | $306K | 0.7% | |
| Chevron Corporation Common Stock | — | — | $313K | $298K | 0.7% | |
| Constellation Brands Inc Common Stock | — | — | $289K | $292K | 0.7% | |
| Starbucks Corp Common Stock | — | — | $229K | $291K | 0.7% | |
| West Pharmaceutical Service Inc Common Stock | — | — | $221K | $250K | 0.6% | |
| Novo-Nordisk A S Spons Adr Common Stock | — | — | $229K | $238K | 0.6% | |
| Waste Mgmt Inc Del Common Stock | — | — | $139K | $233K | 0.5% | |
| Home Depot Inc Common Stock | — | — | $175K | $231K | 0.5% | |
| Lilly Eli & Co Common Stock | — | — | $99K | $225K | 0.5% | |
| Relx Plc Spon ADR Common Stock | — | — | $124K | $225K | 0.5% | |
| Marvell Technology Group Ltd Common Stock | — | — | $95K | $220K | 0.5% | |
| Ares Management Corporation Common Stock | — | — | $55K | $213K | 0.5% | |
| ASML Holdings NV Common Stock | — | — | $208K | $209K | 0.5% | |
| Johnson & Johnson Common Stock | — | — | $236K | $209K | 0.5% | |
| Labcorp Holdings Inc Common Stock | — | — | $127K | $206K | 0.5% | |
| Insulet Corp Common Stock | — | — | $131K | $197K | 0.5% | |
| Suncor Energy Inc Common Stock | — | — | $184K | $197K | 0.5% | |
| Sap Aktiengesellschaft Spns Adr Common Stock | — | — | $157K | $195K | 0.5% | |
| Qualcomm Inc Common Stock | — | — | $203K | $187K | 0.4% | |
| Wal Mart Stores Inc Common Stock | — | — | $103K | $187K | 0.4% | |
| Berkshire Hathaway Inc-Cl B Common Stock | — | — | $82K | $186K | 0.4% | |
| Reinsurance Group Of America Inc Common Stock | — | — | $107K | $185K | 0.4% | |
| AbbVie Inc Common Stock | — | — | $159K | $185K | 0.4% | |
| Chubb Ltd Common Stock | — | — | $141K | $182K | 0.4% | |
| Mastercard Inc-A Common Stock | — | — | $63K | $181K | 0.4% | |
| Aon Plc Common Stock | — | — | $79K | $180K | 0.4% | |
| Ulta Salon Cosmetics & Frag Inc Common Stock | — | — | $138K | $178K | 0.4% | |
| Pinterest Inc Common Stock | — | — | $205K | $172K | 0.4% | |
| Exxon Mobil Corp Common Stock | — | — | $171K | $170K | 0.4% | |
| Fair Isaac Corp Common Stock | — | — | $68K | $169K | 0.4% | |
| Thermo Fisher Scientific Inc Common Stock | — | — | $119K | $168K | 0.4% | |
| Taiwan Semiconductor Spons Adr Common Stock | — | — | $165K | $167K | 0.4% | |
| Mondelez International Inc Common Stock | — | — | $169K | $163K | 0.4% | |
| Cadence Design Systems Inc Common Stock | — | — | $145K | $161K | 0.4% | |
| Bristol Myers Squibb Co Common Stock | — | — | $149K | $160K | 0.4% | |
| Globe Life Inc Common Stock | — | — | $125K | $158K | 0.4% | |
| Adobe Systems Inc Common Stock | — | — | $79K | $157K | 0.4% | |
| Abb Ltd Spon Adr Common Stock | — | — | $71K | $146K | 0.3% | |
| Pnc Financial Services Group Common Stock | — | — | $117K | $143K | 0.3% | |
| Illinois Tool Wks Inc Common Stock | — | — | $117K | $142K | 0.3% | |
| AT&T Inc Common Stock | — | — | $100K | $141K | 0.3% | |
| L Air Liquide Adr Common Stock | — | — | $127K | $140K | 0.3% | |
| Mizuho Financial Group Inc Spons Adr Common Stock | — | — | $118K | $139K | 0.3% | |
| Monolithic Power Common Stock | — | — | $111K | $139K | 0.3% | |
| Zebra Technologies Corp Common Stock | — | — | $117K | $138K | 0.3% | |
| Money Market Funds * Morgan Stanley Bank Deposit Money Market Fund | — | — | $138K | $138K | 0.3% | |
| Ball Corp Common Stock | — | — | $134K | $137K | 0.3% | |
| Procter & Gamble Co Common Stock | — | — | $116K | $136K | 0.3% | |
| Motorola Solutions Inc Common Stock | — | — | $103K | $135K | 0.3% | |
| Avery Dennison Corp Common Stock | — | — | $118K | $134K | 0.3% | |
| O'Reilly Automotive Common Stock | — | — | $52K | $134K | 0.3% | |
| Bank America Corp Common Stock | — | — | $109K | $133K | 0.3% | |
| Synopsys Inc Common Stock | — | — | $13K | $131K | 0.3% | |
| Compass Group Plc Common Stock | — | — | $81K | $130K | 0.3% | |
| Cisco Sys Inc Common Stock | — | — | $107K | $129K | 0.3% | |
| Morgan Stanley Common Stock | — | — | $95K | $129K | 0.3% | |
| McKesson Corp. Common Stock Common Stock | — | — | $71K | $126K | 0.3% | |
| Coca Cola Co Common Stock | — | — | $116K | $120K | 0.3% | |
| Cie Financiere Rich Unspons Adr Common Stock | — | — | $107K | $118K | 0.3% | |
| Honeywell Intl Inc Common Stock | — | — | $104K | $117K | 0.3% | |
| Mtu Aero Engines Holding-Unspon Adr Common Stock | — | — | $80K | $116K | 0.3% | |
| Republic Services Inc Common Stock | — | — | $84K | $115K | 0.3% | |
| Wells Fargo & Co Ne Common Stock | — | — | $75K | $115K | 0.3% | |
| Marsh & McLennan Cos Inc Common Stock | — | — | $93K | $113K | 0.3% | |
| Siemens A G Sponsored Adr Common Stock | — | — | $109K | $111K | 0.3% | |
| Parker Hannifin Corp Common Stock | — | — | $59K | $110K | 0.3% | |
| Raytheon Technologies Corp Common Stock | — | — | $89K | $110K | 0.3% | |
| Diageo Plc Adr Common Stock | — | — | $115K | $109K | 0.3% | |
| Mc Donald's Corporation Common Stock | — | — | $99K | $108K | 0.3% | |
| CBRE Group Inc Common Stock | — | — | $69K | $105K | 0.2% | |
| International Business Machines Corp Common Stock | — | — | $68K | $105K | 0.2% | |
| Steris Plc Common Stock | — | — | $104K | $105K | 0.2% | |
| Azek Co Inc Common Stock | — | — | $47K | $104K | 0.2% | |
| Analog Devices Inc Common Stock | — | — | $79K | $103K | 0.2% | |
| Adidas Ag Adr Common Stock | — | — | $99K | $103K | 0.2% | |
| London Stock Exchange Group ADR Common Stock | — | — | $77K | $103K | 0.2% | |
| Entergy Corp Common Stock | — | — | $70K | $102K | 0.2% | |
| Gildan Activewear Inc-Cl A Common Stock | — | — | $82K | $102K | 0.2% | |
| Capgemini S E Common Stock | — | — | $122K | $101K | 0.2% | |
| KBC Groep NV ADR Netherlands Common Stock | — | — | $86K | $99K | 0.2% | |
| Bureau Veritas Sa Common Stock | — | — | $99K | $99K | 0.2% | |
| Chipotle Mexicican Grill-Cl A Common Stock | — | — | $89K | $98K | 0.2% | |
| Bio Techne Corp Common Stock | — | — | $102K | $98K | 0.2% | |
| Chewy Inc Common Stock | — | — | $84K | $97K | 0.2% | |
| Spdr Ser Tr Spdr Bloomberg Common Stock | — | — | $98K | $97K | 0.2% | |
| Experian Group Ltd Spons Adr Common Stock | — | — | $95K | $97K | 0.2% | |
| Dover Corp Common Stock | — | — | $82K | $96K | 0.2% | |
| Automatic Data Processing Inc Common Stock | — | — | $82K | $95K | 0.2% | |
| Jacobs Solutions Inc Common Stock | — | — | $82K | $95K | 0.2% | |
| Colgate Palmolive Co Common Stock | — | — | $76K | $93K | 0.2% | |
| Diploma Plc Adr Common Stock | — | — | $78K | $93K | 0.2% | |
| Ryanair Hldgs Plc Adr Common Stock | — | — | $80K | $92K | 0.2% | |
| Booking Hldgs Inc Common Stock | — | — | $39K | $90K | 0.2% | |
| Astrazeneca Plc Adr Common Stock | — | — | $109K | $90K | 0.2% | |
| Hoya Corporation-Adr Common Stock | — | — | $78K | $90K | 0.2% | |
| Blackrock Inc Common Stock | — | — | $58K | $89K | 0.2% | |
| Paycom Software Inc Common Stock | — | — | $68K | $89K | 0.2% | |
| Cooper Companies, Inc. Common Stock | — | — | $88K | $88K | 0.2% | |
| Thales Unsponsord Adr Common Stock | — | — | $79K | $87K | 0.2% | |
| Sampo Oyj-A SHS-Unsp ADR Common Stock | — | — | $69K | $86K | 0.2% | |
| Abbott Labs Common Stock | Common Stocks | — | $81K | $86K | 0.2% | |
| Bank Of New York Mellon Corp Common Stock | — | — | $57K | $86K | 0.2% | |
| Allegheny Technologies Inc Common Stock | — | — | $92K | $85K | 0.2% | |
| Techtronic Industries Company LTD. Common Stock | — | — | $83K | $84K | 0.2% | |
| Nvent Electric Plc Common Stock | — | — | $89K | $83K | 0.2% | |
| Imcd N V Common Stock | — | — | $83K | $83K | 0.2% | |
| Cme Group Inc. Common Stock | — | — | $70K | $82K | 0.2% | |
| Nasdaq Omx Group, Inc. Common Stock | — | — | $71K | $82K | 0.2% | |
| Union Pac Corp Common Stock | — | — | $74K | $81K | 0.2% | |
| American Electric Power Inc Common Stock | — | — | $78K | $81K | 0.2% | |
| Tokyo Electron Ltd Unspons Adr Common Stock | — | — | $100K | $80K | 0.2% | |
| Markel Corporation Common Stock | — | — | $40K | $80K | 0.2% | |
| Idexx Labs Inc Common Stock | — | — | $88K | $79K | 0.2% | |
| Fanuc Ltd Unspons Adr Common Stock | — | — | $85K | $79K | 0.2% | |
| Dun & Bradstreet Hldgs Inc Common Stock | — | — | $101K | $79K | 0.2% | |
| AIA Group Ltd-Sp ADR Common Stock | — | — | $100K | $78K | 0.2% | |
| Keysight Technologies Inc Common Stock | — | — | $75K | $78K | 0.2% | |
| Gilead Sciences Inc Common Stock | — | — | $60K | $77K | 0.2% | |
| Epiroc Aktiebolag Common Stock | — | — | $83K | $77K | 0.2% | |
| Nippon Sanso Holdings Corporation Partnerships | — | — | $84K | $77K | 0.2% | |
| Enbridge Incorporated Common Stock | — | — | $79K | $77K | 0.2% | |
| Northrop Grumman Corp Common Stock | — | — | $82K | $76K | 0.2% | |
| Nitori Holdings Co Ltd Common Stock | — | — | $92K | $76K | 0.2% | |
| Prologis Inc Common Stock | — | — | $86K | $76K | 0.2% | |
| Linde Plc Common Stock | — | — | $58K | $75K | 0.2% | |
| Fastenal Co Common Stock | — | — | $26K | $74K | 0.2% | |
| Trane Technologies Plc Common Stock | — | — | $37K | $74K | 0.2% | |
| Berkley W R Corp Common Stock | — | — | $31K | $74K | 0.2% | |
| Stryker Corp Common Stock | — | — | $32K | $73K | 0.2% | |
| Tetra Tech Inc Common Stock | — | — | $66K | $73K | 0.2% | |
| US Treasury Note UNITED STATES TREAS NTS 4.3750% 11/30/30 | — | — | $73K | $73K | 0.2% | |
| Disney Walt Co Common Stock | — | — | $72K | $72K | 0.2% | |
| Symrise Ag-Unspon Adr Common Stock | — | — | $82K | $71K | 0.2% | |
| Martin Marietta Matls Inc Common Stock | — | — | $67K | $71K | 0.2% | |
| Lowes Cos Inc Common Stock | — | — | $26K | $70K | 0.2% | |
| Shin Etsu Chemical Co Unspons Adr Common Stock | — | — | $86K | $70K | 0.2% | |
| US Treasury Note United States Treas Nts 4.0000% 02/29/28 | — | — | $71K | $69K | 0.2% | |
| US Treasury Note US Treasury Note 4.0000% 06/30/28 | — | — | $71K | $69K | 0.2% | |
| Partnerships Asics Corporation Partnerships | — | — | $16K | $69K | 0.2% | |
| Nomura Research Institute Ltd Common Stock | — | — | $65K | $69K | 0.2% | |
| Total S.A. Spon Adr Common Stock | — | — | $69K | $69K | 0.2% | |
| US Treasury Note United States Treas Nts 3.6250% 05/31/28 | — | — | $70K | $68K | 0.2% | |
| Merck & Co Inc Common Stock | — | — | $72K | $68K | 0.2% | |
| US Treasury Note US Treasury Treas Nts 1.5000% 08/15/26 | — | — | $67K | $67K | 0.2% | |
| Suzuki Motor Corp-Uns ADR Common Stock | — | — | $73K | $67K | 0.2% | |
| Cintas Corp Common Stock | — | — | $31K | $66K | 0.2% | |
| Eog Res Inc Common Stock | — | — | $69K | $65K | 0.2% | |
| Icon PLC (Ireland) Common Stock | — | — | $72K | $65K | 0.2% | |
| USA United States Of America 4.5000% 11/15/25 | — | — | $65K | $65K | 0.2% | |
| NXP Semiconductors NV Common Stock | — | — | $31K | $65K | 0.2% | |
| US Treasury Note United States Of America 4.2500% 10/15/25 | — | — | $65K | $65K | 0.2% | |
| Masco Corp Common Stock | — | — | $43K | $65K | 0.2% | |
| US Treasury Note United States Treas Nts 4.0000% 12/15/25 | — | — | $65K | $65K | 0.2% | |
| Xcel Energy Inc Common Stock | — | — | $54K | $64K | 0.2% | |
| Advanced Drainage Systems Inc Common Stock | — | — | $43K | $63K | 0.1% | |
| US Treasury Note United States Treas Nts 4.0000% 02/15/34 | — | — | $66K | $62K | 0.1% | |
| Valero Energy Corp Common Stock | — | — | $65K | $62K | 0.1% | |
| 3i Group Plc Common Stock | — | — | $54K | $61K | 0.1% | |
| US Treasury Note United States Treas Nts 4.8750% 10/31/28 | — | — | $63K | $61K | 0.1% | |
| Lockheed Martin Corp Common Stock | — | — | $57K | $61K | 0.1% | |
| Sanofi-Aventis Adr Common Stock | — | — | $62K | $60K | 0.1% | |
| US Treasury Note UNITED STATES TREAS NTS 3.875% 01/15/26 | — | — | $60K | $60K | 0.1% | |
| US Treasury Note United States Treas Nts 4.0000% 07/31/30 | — | — | $61K | $59K | 0.1% | |
| US Treasury Note United States Of America 3.8750% 11/30/29 | — | — | $61K | $59K | 0.1% | |
| US Treasury Note United States Treas Nts 3.2500% 06/30/27 | — | — | $60K | $59K | 0.1% | |
| Recruit Holdings Co Ltd Common Stock | — | — | $27K | $59K | 0.1% | |
| National Grid Plc Common Stock | — | — | $70K | $58K | 0.1% | |
| US Treasury Note United States Treas Nts 2.3750% 05/15/27 | — | — | $58K | $57K | 0.1% | |
| WEC Energy Group Inc Common Stock | — | — | $55K | $57K | 0.1% | |
| Tc Energy Corp Common Stock | — | — | $53K | $57K | 0.1% | |
| US Treasury Note United States Treas Nts 2.2500% 11/15/27 | — | — | $58K | $57K | 0.1% | |
| Philip Morris International Common Stock | — | — | $45K | $56K | 0.1% | |
| Bankinter S A Common Stock | — | — | $58K | $56K | 0.1% | |
| Kla-Tencor Corp Common Stock | — | — | $33K | $54K | 0.1% | |
| James Hardie Inds Plc Common Stock | — | — | $65K | $51K | 0.1% | |
| Medtronic Plc Common Stock | — | — | $49K | $51K | 0.1% | |
| General Mls Inc Common Stock | — | — | $53K | $51K | 0.1% | |
| Truist Finl Corp Common Stock | — | — | $55K | $50K | 0.1% | |
| Lyondellbasell INDU-CL A Common Stock | — | — | $61K | $49K | 0.1% | |
| Texas Instruments Inc Common Stock | — | — | $43K | $49K | 0.1% |
Showing top 200 of 273 investments by value.