Original filing (PDF)20251010151325NAL0013397952001

CITIGROUP INC.

Name: CITIGROUP INC. — CITI RETIREMENT SAVINGS PLAN, Form 5500 (2024)
Creator: CITIGROUP INC.

Form 5500

FILING_RECEIVED

CITI RETIREMENT SAVINGS PLAN

401(k) retirement plan

Signals · 3

29% in single holdingNo recordkeeper disclosed23 service providers

Active participants

74,487

Accounts w/ balance

117,203

Plan assets (EOY)

$23.2B

Net assets (EOY)

$23.2B

How this plan invests

This plan

27 pooled trusts

Schedule D

1,558 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

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

100

Knocking points off

Top holding "BlackRock Equity Index Fund F" is 29% of plan.
7 bps in Schedule C fees — modestly above peer band of 5 bps.
No recordkeeper disclosed on Schedule C.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CITIGROUP INC..

Plan sponsor

Name

CITIGROUP INC.

EIN

52-1568099

Address

750 WASHINGTON BLVD 7TH FLOOR · STAMFORD, CT · 06901

Phone

(718) 248-1017

Industry

Finance & Insurancesee all

Plan administrator

Name

PLANS ADMIN COMM OF CITIGROUP INC.

EIN

52-1568099

City

LEWISVILLE, TX

Phone

(800) 881-3938

Plan characteristics

Plan number

004

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-10

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2O · ESOP (non-leveraged)

2S · Automatic enrollment

2T · Default investment account (QDIA)

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Auditor

KPMG LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

23 rows

Trustee

Name	EIN	Location	Relation	Direct comp	Indirect comp
BANK OF NEW YORK MELLON	13-5160382	—	TRUSTEE	$989K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
ALIGHT SOLUTIONS LLC	82-1061233	—	NONE	$4.5M	—
BLACKROCK INSTITUTIONAL TRUST CO,NA	94-3112180	—	NONE	$4.0M	—
MFS INSTITUTIONAL ADVISORS	04-3247425	—	NONE	$804K	—
T ROWE PRICE ASSOCIATES, INC.	52-0556948	—	NONE	$780K	—
WCM INVESTMENT MANAGEMENT, LLC	95-3046237	—	NONE	$780K	—
LAZARD ASSET MANAGEMENT LLC	—	NEW YORK, NY	NONE	$711K	—
ACADIAN ASSET MANAGEMENT LLC	—	BOSTON, MA	NONE	$501K	—
WILLIAM BLAIR INVESTMENT MGMT, LLC	47-2614791	—	NONE	$462K	—
PRINCIPAL SMALL CAP SELECT	—	DES MOINES, IA	NONE	$457K	—
INSIGHT INVESTMENTS	—	NEW YORK, NY	NONE	$404K	—
BOSTON PARTNERS	—	NEW YORK, NY	NONE	$388K	—
MELLON INVESTMENTS CORPORATION	—	BOSTON, MA	NONE	$365K	—
KPMG	13-5565207	—	NONE	$313K	—
HEITMAN LLC	36-4263867	—	NONE	$257K	—
WILLIS TOWERS WATSON	53-0181291	—	NONE	$203K	—
TT INTERNATIONAL	—	—	NONE	$147K	—
CALLAN HOLDINGS' INC.	82-2748926	—	NONE	$140K	—
MERCER	04-6691601	—	NONE	$130K	—
BSR	98-0479865	—	NONE	$120K	—
FIDUCIARY COUNSELORS	22-3709903	—	NONE	$60K	—
PROSKAUER ROSE LLP	13-1840454	—	NONE	$21K	—
MORGAN, LEWIS AND BOCKIUS LLP	23-0891050	—	NONE	$13K	—

Investments

1,516 direct securities · 27 pooled funds· $22.4B(96% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Common Collective Trust

$19.1B

27 holdings

Uncategorized

$3.3B

1516 holdings

Investment	Type	Shares / units	Cost	Current value	% of plan
BLACKROCK EQUITY INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3262720 / PN 001	Common Collective Trust	50,389,008	—	$6.2B	26.9%
BLACKROCK RUSSELL 3000 INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3371912 / PN 001	Common Collective Trust	13,482,575	—	$1.6B	7.0%
BLACKROCK US DEBT INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3291425 / PN 001	Common Collective Trust	41,577,601	—	$1.4B	6.0%
EAFE EQUITY INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3358162 / PN 001	Common Collective Trust	22,755,259	—	$1.3B	5.7%
MID CAPITALIZATION EQUITY INDEX FD BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3272818 / PN 001	Common Collective Trust	7,085,155	—	$1.2B	5.0%
BLACKROCK LIFEPATH INDEX 2045 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 20-5115008 / PN 001	Common Collective Trust	25,202,921	—	$931.0M	4.0%
BLACKROCK LIFEPATH INDEX 2050 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 26-0896020 / PN 001	Common Collective Trust	24,166,306	—	$755.6M	3.3%
BLACKROCK LIFEPATH INDEX 2040 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 71-0986419 / PN 001	Common Collective Trust	19,675,483	—	$743.6M	3.2%
Citigroup Inc	—	10,412,982	—	$733.0M	3.2%
Blckrck Cash-Trsry-Inst	—	711,083,045	—	$711.1M	3.1%
BLACKROCK LIFEPATH INDEX RET FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 71-0986421 / PN 001	Common Collective Trust	26,654,316	—	$710.6M	3.1%
BLACKROCK LIFEPATH INDEX 2035 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 20-5114956 / PN 001	Common Collective Trust	20,612,318	—	$671.3M	2.9%
BLACKROCK RUSSELL 2000 INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3318704 / PN 001	Common Collective Trust	8,405,332	—	$627.3M	2.7%
BLACKROCK LIFEPATH INDEX 2055 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 27-2470604 / PN 001	Common Collective Trust	14,116,947	—	$578.7M	2.5%
BLACKROCK LIFEPATH INDEX 2030 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 71-0986424 / PN 001	Common Collective Trust	16,908,485	—	$544.1M	2.3%
BlackRock Emerging Markets Index Fund F	—	38,043,128	—	$511.9M	2.2%
BLCKRK EMERG MKTS INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 45-4544245 / PN 001	Common Collective Trust	—	—	$511.9M	2.2%
BLACKROCK RUSSELL 1000 GROWTH FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3330725 / PN 001	Common Collective Trust	4,148,802	—	$330.7M	1.4%
BlackRock U.S Treasury Inflation Protected Securities Fund F	—	10,370,883	—	$253.2M	1.1%
US TRSRY INFLATION PRO SEC FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 36-4495972 / PN 001	Common Collective Trust	—	—	$253.2M	1.1%
BLACKROCK LIFEPATH INDEX 2060 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 47-1878775 / PN 001	Common Collective Trust	9,211,836	—	$219.9M	0.9%
SCHRODER COLLECTIVE INVESTMNT TRUST SEI TRUST COMPANY · EIN 46-4679164 / PN 072	Common Collective Trust	6,713,538	—	$106.9M	0.5%
T Rowe Pr Inst Hi Yld-Inst	—	11,030,128	—	$86.4M	0.4%
Blackrock High Yield-K	—	12,160,089	—	$86.3M	0.4%
BLACKROCK RUSSELL 1000 VALUE FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 94-3330726 / PN 001	Common Collective Trust	1,319,329	—	$75.6M	0.3%
COLLECTIVE US GOV'T STIF 15 BANK OF NEW YORK MELLON · EIN 81-6243181 / PN 001	Common Collective Trust	—	—	$72.5M	0.3%
Collective U.S. Gov't STIF 15	—	—	—	$70.1M	0.3%
ROLL SELECT COMMODITY INDEX FUND F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 82-4114243 / PN 001	Common Collective Trust	5,159,495	—	$69.2M	0.3%
FIDELITY FIAM CONCENTRATED EMER MKT FIDELITY INSTITUTIONAL ASSET MANAGEMENT TRUST COMPANY · EIN 20-4659714 / PN 032	Common Collective Trust	1,084,873	—	$56.8M	0.2%
Dimensional Emrg Mrkts Ii	—	3,089,743	—	$55.2M	0.2%
BLCKRK MSCI ACWI ESG FOCUS INDEX FD BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 83-1496408 / PN 001	Common Collective Trust	2,664,097	—	$52.5M	0.2%
Pgim High Yield-R6	—	9,034,092	—	$43.1M	0.2%
Blackrock Instl Trr Co N A Inv	—	1,970,678	—	$25.4M	0.1%
LS CIT CORE PLUS FIXED INCOME LOOMIS SAYLES · EIN 84-6391546 / PN 010	Common Collective Trust	1,441,518	—	$23.7M	0.1%
Fidelity Adv Ttl Bnd-Z	—	2,516,626	—	$23.6M	0.1%
Taiwan Semiconductor Manufactu	—	294,060	—	$19.8M	<0.1%
Pimco Income Fund-Ins	—	1,132,640	—	$11.9M	<0.1%
Equinix Inc	—	8,936	—	$8.4M	<0.1%
Tencent Holdings Ltd	—	155,623	—	$8.4M	<0.1%
Prologis Inc	—	76,776	—	$8.1M	<0.1%
Sap Se	—	29,283	—	$7.2M	<0.1%
Digital Realty Trust Inc	—	35,281	—	$6.3M	<0.1%
Novo Nordisk A/S	—	71,997	—	$6.2M	<0.1%
Schneider Electric Se	—	22,801	—	$5.7M	<0.1%
Relx Plc	—	124,583	—	$5.7M	<0.1%
BLACKROCK LIFEPATH INDEX 2065 FD F BLACKROCK INSITUTIONAL TRUST COMPANY, NA · EIN 84-1770109 / PN 001	Common Collective Trust	327,283	—	$5.6M	<0.1%
Sea Ltd	—	47,168	—	$5.0M	<0.1%
Compass Group Plc	—	145,173	—	$4.8M	<0.1%
Meituan	—	247,746	—	$4.8M	<0.1%
Rolls-Royce Holdings Plc	—	666,726	—	$4.7M	<0.1%
3I Group Plc	—	102,325	—	$4.6M	<0.1%
Experian Plc	—	105,740	—	$4.6M	<0.1%
Icici Bank Ltd	—	178,612	—	$4.5M	<0.1%
Ventas Inc	—	74,435	—	$4.4M	<0.1%
Roche Holding Ag	—	15,169	—	$4.3M	<0.1%
Equity Lifestyle Properties In	—	64,150	—	$4.3M	<0.1%
Mercadolibre Inc	—	2,460	—	$4.2M	<0.1%
Icon Plc	—	19,628	—	$4.1M	<0.1%
Extra Space Storage Inc	—	27,408	—	$4.1M	<0.1%
Safran Sa	—	17,979	—	$3.9M	<0.1%
Aia Group Ltd	—	539,331	—	$3.9M	<0.1%
Ferrari Nv	—	9,119	—	$3.9M	<0.1%
Ubs Group Ag	—	125,767	—	$3.8M	<0.1%
Spotify Technology Sa	—	8,484	—	$3.8M	<0.1%
Merck Kgaa	—	24,822	—	$3.6M	<0.1%
Aon Plc	—	9,917	—	$3.6M	<0.1%
Air Liquide Sa	—	21,497	—	$3.5M	<0.1%
Astrazeneca Plc	—	25,012	—	$3.3M	<0.1%
Cie Financiere Richemont Sa	—	20,953	—	$3.2M	<0.1%
Capgemini Se	—	19,355	—	$3.2M	<0.1%
Equity Residential	—	43,650	—	$3.1M	<0.1%
Amadeus It Group Sa	—	42,978	—	$3.0M	<0.1%
Mitsubishi Heavy Industries Lt	—	212,537	—	$3.0M	<0.1%
Agree Realty Corp	—	42,492	—	$3.0M	<0.1%
Welltower Inc	—	23,214	—	$2.9M	<0.1%
Kimco Realty Corp	—	123,782	—	$2.9M	<0.1%
Arch Capital Group Ltd	—	30,555	—	$2.8M	<0.1%
Canadian Pacific Kansas City L	—	38,934	—	$2.8M	<0.1%
Essex Property Trust Inc	—	9,668	—	$2.8M	<0.1%
Siemens Energy Ag	—	52,496	—	$2.7M	<0.1%
Mid-America Apartment Communit	—	17,675	—	$2.7M	<0.1%
Tko Group Holdings Inc	—	18,888	—	$2.7M	<0.1%
Suncor Energy Inc	—	74,460	—	$2.7M	<0.1%
Sun Communities Inc	—	21,305	—	$2.6M	<0.1%
Bawag Group Ag	—	30,915	—	$2.6M	<0.1%
London Stock Exchange Group Pl	—	18,316	—	$2.6M	<0.1%
Adyen Nv	—	1,740	—	$2.6M	<0.1%
Samsung Electronics Co Ltd	—	70,661	—	$2.6M	<0.1%
Federal Realty Investment Trus	—	22,267	—	$2.5M	<0.1%
Insmed Inc	—	35,932	—	$2.5M	<0.1%
Rexford Industrial Realty Inc	—	63,943	—	$2.5M	<0.1%
Cousins Properties Inc	—	80,540	—	$2.5M	<0.1%
Engie Sa	—	154,265	—	$2.4M	<0.1%
Coupang Inc	—	111,049	—	$2.4M	<0.1%
Atlassian Corp	—	10,003	—	$2.4M	<0.1%
U.S. Dollar	—	—	—	$2.4M	<0.1%
Asml Holding Nv	—	3,494	—	$2.4M	<0.1%
Cie De Saint-Gobain Sa	—	26,840	—	$2.4M	<0.1%
Deutsche Boerse Ag	—	10,239	—	$2.4M	<0.1%
Bae Systems Plc	—	163,386	—	$2.4M	<0.1%
Kbc Group Nv	—	30,248	—	$2.3M	<0.1%
Nestle Sa	—	26,646	—	$2.2M	<0.1%
Steris Plc	—	10,641	—	$2.2M	<0.1%
Bureau Veritas Sa	—	71,271	—	$2.2M	<0.1%
Simon Property Group Inc	—	12,531	—	$2.2M	<0.1%
Ryanair Holdings Plc	—	49,261	—	$2.1M	<0.1%
Chart Industries Inc	—	10,989	—	$2.1M	<0.1%
Monday.Com Ltd	—	8,803	—	$2.1M	<0.1%
Thales Sa	—	14,348	—	$2.1M	<0.1%
Asm International Nv	—	3,510	—	$2.0M	<0.1%
Trip.Com Group Ltd	—	29,115	—	$2.0M	<0.1%
Sony Group Corp	—	93,808	—	$2.0M	<0.1%
Camden Property Trust	—	17,317	—	$2.0M	<0.1%
Natera Inc	—	12,678	—	$2.0M	<0.1%
Continental Ag	—	29,851	—	$2.0M	<0.1%
Linde Plc	—	4,675	—	$2.0M	<0.1%
Nu Holdings Ltd/Cayman Islands	—	188,470	—	$2.0M	<0.1%
Nnn Reit Inc	—	47,783	—	$2.0M	<0.1%
Credo Technology Group Holding	—	29,006	—	$1.9M	<0.1%
Popular Inc	—	20,680	—	$1.9M	<0.1%
Novartis Ag	—	19,708	—	$1.9M	<0.1%
Lvmh Moet Hennessy Louis Vuitt	—	2,924	—	$1.9M	<0.1%
Bxp Inc	—	25,742	—	$1.9M	<0.1%
Taylor Morrison Home Corp	—	31,160	—	$1.9M	<0.1%
Zurich Insurance Group Ag	—	3,185	—	$1.9M	<0.1%
Wintrust Financial Corp	—	15,129	—	$1.9M	<0.1%
Nec Corp	—	21,533	—	$1.9M	<0.1%
Rio Tinto Plc	—	31,551	—	$1.9M	<0.1%
Itau Unibanco Holding Sa	—	374,976	—	$1.9M	<0.1%
Essilorluxottica Sa	—	7,563	—	$1.8M	<0.1%
Piraeus Financial Holdings Sa	—	458,545	—	$1.8M	<0.1%
Modine Manufacturing Co	—	15,755	—	$1.8M	<0.1%
Ferguson Enterprises Inc	—	10,482	—	$1.8M	<0.1%
Beiersdorf Ag	—	13,940	—	$1.8M	<0.1%
Alexandria Real Estate Equitie	—	18,328	—	$1.8M	<0.1%
Unilever Plc	—	31,026	—	$1.8M	<0.1%
Zalando Se	—	52,547	—	$1.8M	<0.1%
Orange Sa	—	175,786	—	$1.8M	<0.1%
Abb Ltd	—	31,962	—	$1.7M	<0.1%
Legrand Sa	—	17,571	—	$1.7M	<0.1%
Li Ning Co Ltd	—	802,996	—	$1.7M	<0.1%
Siemens Healthineers Ag	—	31,700	—	$1.7M	<0.1%
Canadian Natural Resources Ltd	—	53,852	—	$1.7M	<0.1%
Umb Financial Corp	—	14,686	—	$1.7M	<0.1%
American Homes 4 Rent	—	43,989	—	$1.6M	<0.1%
Waste Connections Inc	—	9,571	—	$1.6M	<0.1%
Encompass Health Corp	—	17,462	—	$1.6M	<0.1%
Mizuho Financial Group Inc	—	64,698	—	$1.6M	<0.1%
Ing Groep Nv	—	101,249	—	$1.6M	<0.1%
Dycom Industries Inc	—	9,036	—	$1.6M	<0.1%
Techtronic Industries Co Ltd	—	118,132	—	$1.6M	<0.1%
Intesa Sanpaolo Spa	—	383,773	—	$1.5M	<0.1%
Performance Food Group Co	—	18,082	—	$1.5M	<0.1%
Regency Centers Corp	—	20,632	—	$1.5M	<0.1%
Pernod Ricard Sa	—	13,476	—	$1.5M	<0.1%
Curtiss-Wright Corp	—	4,268	—	$1.5M	<0.1%
Dbs Group Holdings Ltd	—	46,136	—	$1.5M	<0.1%
Varonis Systems Inc	—	33,168	—	$1.5M	<0.1%
Enersys	—	15,839	—	$1.5M	<0.1%
Bank Mandiri Persero Tbk Pt	—	4,076,840	—	$1.4M	<0.1%
Weyerhaeuser Co	—	50,855	—	$1.4M	<0.1%
Sba Communications Corp	—	7,013	—	$1.4M	<0.1%
Sk Hynix Inc	—	12,015	—	$1.4M	<0.1%
Essential Properties Realty Tr	—	45,288	—	$1.4M	<0.1%
Siemens Ag	—	7,251	—	$1.4M	<0.1%
Lazard Inc	—	27,474	—	$1.4M	<0.1%
Shimadzu Corp	—	49,745	—	$1.4M	<0.1%
Mitsubishi Electric Corp	—	82,144	—	$1.4M	<0.1%
Slm Corp	—	50,649	—	$1.4M	<0.1%
Bank Central Asia Tbk Pt	—	2,321,418	—	$1.4M	<0.1%
Invitation Homes Inc	—	43,619	—	$1.4M	<0.1%
Commercial Metals Co	—	28,076	—	$1.4M	<0.1%
Brenntag Se	—	23,235	—	$1.4M	<0.1%
Interdigital Inc	—	7,162	—	$1.4M	<0.1%
Croda International Plc	—	32,572	—	$1.4M	<0.1%
Sterling Infrastructure Inc	—	8,159	—	$1.4M	<0.1%
Stride Inc	—	13,208	—	$1.4M	<0.1%
Denso Corp	—	97,097	—	$1.4M	<0.1%
Nippon Sanso Holdings Corp	—	48,549	—	$1.4M	<0.1%
Nitori Holdings Co Ltd	—	11,464	—	$1.4M	<0.1%
Universal Music Group Nv	—	52,771	—	$1.4M	<0.1%
Douglas Emmett Inc	—	72,762	—	$1.4M	<0.1%
Wix.Com Ltd	—	6,254	—	$1.3M	<0.1%
Wesco International Inc	—	7,393	—	$1.3M	<0.1%
Essent Group Ltd	—	24,402	—	$1.3M	<0.1%
Public Storage	—	4,421	—	$1.3M	<0.1%
Stag Industrial Inc	—	39,070	—	$1.3M	<0.1%
Puma Se	—	28,707	—	$1.3M	<0.1%
American Tower Corp	—	7,116	—	$1.3M	<0.1%
Daikin Industries Ltd	—	10,966	—	$1.3M	<0.1%
Spx Technologies Inc	—	8,946	—	$1.3M	<0.1%
Radnet Inc	—	18,501	—	$1.3M	<0.1%
Sumitomo Mitsui Financial Grou	—	53,035	—	$1.3M	<0.1%
Fanuc Corp	—	47,552	—	$1.3M	<0.1%
Rayonier Inc	—	48,395	—	$1.3M	<0.1%
Bandai Namco Holdings Inc	—	52,337	—	$1.3M	<0.1%
Eastgroup Properties Inc	—	7,826	—	$1.3M	<0.1%
Regal Rexnord Corp	—	8,092	—	$1.3M	<0.1%
Summit Materials Inc	—	24,776	—	$1.3M	<0.1%
Kokusai Electric Corp	—	90,917	—	$1.2M	<0.1%

Showing top 200 of 1,543 investments by value.