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Original filing (PDF)20250625142747NAL0011383504001
CITIZENS AND FARMERS BANK
Form 5500
FILING_RECEIVED
SBA DEFINED CONTRIBUTION PLAN FOR CITIZENS AND FARMERS BANK
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
410
Accounts w/ balance
513
Plan assets (EOY)
$60.5M
Net assets (EOY)
$60.5M
How this plan invests
This plan
14 pooled trusts
Schedule D
52 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 56 bps in Schedule C fees — 249% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CITIZENS AND FARMERS BANK.
Plan sponsor
Name
CITIZENS AND FARMERS BANK
EIN
54-0169510
Address
P.O. BOX 391 · WEST POINT, VA · 23181
Phone
(804) 843-2360
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-06-25
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
YOUNT, HYDE, BARBOUR, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | SERVICE PROVIDER | $204K | — |
| VBA BENEFITS CORPORATION | 54-1741662 | — | SERVICE PROVIDER | $134K | — |
Investments
36 direct securities · 14 pooled funds· $101.6M(100% 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.
Uncategorized
$56.9M
35 holdings
Common Collective Trust
$42.8M
14 holdings
Common Stocks
$1.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Trust II Collective Trust Fund | — | — | — | $7.7M | 12.8% | |
| VANGRD TRGT RETIRE 2030 TR II VANGUARD FUNDS · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $7.7M | 12.8% | |
| Vanguard Target Retirement 2035 Trust II Collective Trust Fund | — | — | — | $7.0M | 11.6% | |
| VANGRD TRGT RETIRE 2035 TR II VANGUARD FUNDS · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $7.0M | 11.6% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $5.4M | 9.0% | |
| Vanguard Target Retirement 2025 Trust II Collective Trust Fund | — | — | — | $4.9M | 8.1% | |
| VANGRD TRGT RETIRE 2025 TR II VANGUARD FUNDS · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $4.9M | 8.1% | |
| WLMNG TR MFS GR CIT S WILMINGTON TRUST FUNDS · EIN 38-4126293 / PN 596 | Common Collective Trust | — | — | $4.6M | 7.5% | |
| GLDMN SACHS ST VL CL TR IS S GOLDMAN SACHS FUNDS · EIN 13-4166989 / PN 025 | Common Collective Trust | — | — | $3.8M | 6.4% | |
| Gldmn Sachs St Vl Cl Tr Is S Common Collective Trust | — | — | — | $3.8M | 6.4% | |
| Vanguard Target Retirement 2045 Trust II Collective Trust Fund | — | — | — | $3.4M | 5.7% | |
| VANGRD TRGT RETIRE 2045 TR II VANGUARD FUNDS · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $3.4M | 5.7% | |
| Vanguard Target Retirement 2050 Trust II Collective Trust Fund | — | — | — | $3.3M | 5.5% | |
| VANGRD TRGT RETIRE 2050 TR II VANGUARD FUNDS · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $3.3M | 5.5% | |
| VANGRD TRGT RETIRE 2040 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $2.7M | 4.5% | |
| Vanguard Target Retirement 2040 Trust II Collective Trust Fund | — | — | — | $2.7M | 4.5% | |
| *C&F Financial Corporation Employer Common Stock | Common Stocks | — | — | $1.9M | 3.2% | |
| Vanguard Equity Income Adm Fund Mutual Fund | — | — | — | $1.9M | 3.1% | |
| Vanguard Target Retirement 2020 Trust II Collective Trust Fund | — | — | — | $1.7M | 2.9% | |
| VANGRD TRGT RETIRE 2020 TR II VANGUARD FUNDS · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $1.7M | 2.9% | |
| Vanguard Target Retirement 2055 Trust II Collective Trust Fund | — | — | — | $1.3M | 2.2% | |
| VANGRD TRGT RETIRE 2055 TR II VANGUARD FUNDS · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $1.3M | 2.2% | |
| JPMorgan Mid Cap Growth R6 Fund Mutual Fund | — | — | — | $1.3M | 2.1% | |
| Victory Sycmr Est Vl Fd R6 Registered Investment Company | — | — | — | $1.1M | 1.8% | |
| Victory Sycamore Established Value R6 Fund Mutual Fund | — | — | — | $1.1M | 1.8% | |
| Vanguard Target Retirement 2060 Trust II Collective Trust Fund | — | — | — | $971K | 1.6% | |
| VANGRD TRGT RETIRE 2060 TR II VANGUARD FUNDS · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $971K | 1.6% | |
| Vanguard Target Retirement Income Trust II Collective Trust Fund | — | — | — | $928K | 1.5% | |
| VANGRD TRGT RETIRE INC TR II VANGUARD FUNDS · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $928K | 1.5% | |
| Fidelity US Bond Index Fund Mutual Fund | — | — | — | $838K | 1.4% | |
| Fid US Bd Id Fd Registered Investment Company | — | — | — | $838K | 1.4% | |
| LOAN FUND Participant Loans - Rates 3.50% to 8.75% | — | — | — | $785K | 1.3% | |
| party date,rate of interest, collateral, par, or maturity date American Funds EuroPacific R6 Registered Investment Company | — | — | — | $766K | 1.3% | |
| Pimco RAE US Small Institutional Fund Mutual Fund | — | — | — | $764K | 1.3% | |
| Wasatch Core Growth Institutional Fund Mutual Fund | — | — | — | $728K | 1.2% | |
| JPMorgan Emerging Markets Equity Fund Mutual Fund | — | — | — | $521K | 0.9% | |
| JPMorgan Emrg Mkts Eqty Fd R6 Registered Investment Company | — | — | — | $521K | 0.9% | |
| Cohen & Steers Real Estate Securities Z Fund Mutual Fund | — | — | — | $418K | 0.7% | |
| Voya Intermediate Bond R6 Fund Mutual Fund | — | — | — | $373K | 0.6% | |
| Fidelity Tot Intl Idx Fund Registered Investment Company | — | — | — | $301K | 0.5% | |
| Fidelity Total International Index Fund Mutual Fund | — | — | — | $301K | 0.5% | |
| Vanguard Target Retirement 2065 Trust II Collective Trust Fund | — | — | — | $230K | 0.4% | |
| VANGRD TRGT RETIRE 2065 TR II VANGUARD FUNDS · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $230K | 0.4% | |
| Fidelity Ext Mkt Index Fund Registered Investment Company | — | — | — | $218K | 0.4% | |
| Voya Govt Money Market A Fund Mutual Fund | — | — | — | $139K | 0.2% | |
| Voya Gv Mny Mkt F A (Hld A Registered Investment Company | — | — | — | $139K | 0.2% | |
| Pimco Real Return Institutional Fund Mutual Fund | — | — | — | $134K | 0.2% | |
| State Street Short Term Investment Fund Mutual Fund | — | — | — | $85K | 0.1% | |
| Vanguard Target Retirement 2070 Trust II Collective Trust Fund | — | — | — | $2K | <0.1% | |
| VANGRD TRGT RETIRE 2070 TR II VANGUARD FUNDS · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $2K | <0.1% |
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