Original filing (PDF)20251014091710NAL0005239026001

CITIZENS BANK AND TRUST

Name: CITIZENS BANK AND TRUST — CITIZENS BANK AND TRUST 401K PLAN, Form 5500 (2024)
Creator: CITIZENS BANK AND TRUST

Form 5500

FILING_RECEIVED

CITIZENS BANK AND TRUST 401K PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

155

Accounts w/ balance

156

Plan assets (EOY)

$13.3M

Net assets (EOY)

$13.3M

How this plan invests

This plan

1 collective trust

Schedule D

Individual securities

on each trust's filing

This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.

Plan health score (directional)

/ 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

Total plan cost

Vendor stack

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CITIZENS BANK AND TRUST.

Plan sponsor

Name

CITIZENS BANK AND TRUST

EIN

43-1994736

Address

711 GUNTER AVENUE · GUNTERSVILLE, AL · 35976

Phone

(256) 505-4600

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

2025-10-14

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Service providers (Schedule C)

No Schedule C providers reported

Investments

1 pooled fund· $10.6M(80% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.

Investment	Type	Current value	% of plan
MASS MUTUAL LIFE INSURANCE CO. SEPARATE ACCOUNT SCA1 · EIN 04-1590850 / PN 000	Pooled Separate Account	$10.6M	79.9%

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