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Original filing (PDF)20250820110356NAL0001569539001
FIRST CITIZENS NATIONAL BANK
Form 5500
FILING_RECEIVED
FIRST CITIZENS NATIONAL BANK 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
277
Accounts w/ balance
354
Plan assets (EOY)
$36.9M
Net assets (EOY)
$36.9M
How this plan invests
This plan
18 pooled trusts
Schedule D
47 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 38 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST CITIZENS NATIONAL BANK.
Plan sponsor
Name
FIRST CITIZENS NATIONAL BANK
EIN
62-0201100
Address
1 FIRST CITIZENS PLAZA · PO BOX 370 · DYERSBURG, TN · 380250370
Phone
(800) 321-3176
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-20
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ATA, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ASSOCIATES INCORPORATED | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIRST CITIZENS NATIONAL | 62-0201100 | — | TRUSTEE | $88K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATIOR | $52K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ATA, PC | 62-1110839 | — | OTHER SERVICES | $0 | — |
Investments
24 direct securities · 18 pooled funds· $41.6M(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
$17.4M
23 holdings
Common Collective Trust
$17.2M
13 holdings
Mutual Funds
$4.8M
1 holding
Pooled Separate Account
$2.3M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Group Value Index | Mutual Funds | — | — | $4.8M | 13.0% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 004 | Common Collective Trust | — | — | $4.1M | 11.1% | |
| Principal Life Insurance Company Principal LifeTime Hybrid 2025 CIT Z | — | — | — | $4.1M | 11.1% | |
| Vanguard Group Growth Index | — | — | — | $3.5M | 9.6% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 006 | Common Collective Trust | — | — | $3.0M | 8.2% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 005 | Common Collective Trust | — | — | $2.9M | 7.9% | |
| Franklin Templeton Investments Dynatech | — | — | — | $2.5M | 6.6% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 007 | Common Collective Trust | — | — | $1.7M | 4.6% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 008 | Common Collective Trust | — | — | $1.4M | 3.8% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 003 | Common Collective Trust | — | — | $1.2M | 3.4% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 009 | Common Collective Trust | — | — | $1.1M | 3.0% | |
| Wells Fargo SP Mid Cap Value | — | — | — | $1.0M | 2.7% | |
| Principal Life Insurance Company Fixed Income Guarantee | — | — | — | $957K | 2.6% | |
| American Beacon Funds Small Cap Value | — | — | — | $734K | 2.0% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $677K | 1.8% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $658K | 1.8% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 002 | Common Collective Trust | — | — | $645K | 1.7% | |
| Vanguard Group International Growth | — | — | — | $542K | 1.5% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 010 | Common Collective Trust | — | — | $532K | 1.4% | |
| Fidelity Investments Advisor Div Stock | — | — | — | $529K | 1.4% | |
| Principal Life Insurance Company PIMCO StocksPLUS International I Fund (USD-Hedged) | — | — | — | $481K | 1.3% | |
| PIMCO Funds Stocks Plus Intl | — | — | — | $481K | 1.3% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $394K | 1.1% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $332K | 0.9% | |
| Principal Life Insurance Company PIMCO StocksPLUS Small I Fund | — | — | — | $316K | 0.9% | |
| Principal Life Insurance Company Carillon Eagle Mid Cap Growth R6 Fund | — | — | — | $314K | 0.8% | |
| The American Funds New World | — | — | — | $282K | 0.8% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 012 | Common Collective Trust | — | — | $273K | 0.7% | |
| Dimensional Fund Advisors Emerging Markets Small Cap | — | — | — | $267K | 0.7% | |
| PIMCO Funds RAE Plus Instl | — | — | — | $228K | 0.6% | |
| Dimensional Fund Advisors International Value | — | — | — | $225K | 0.6% | |
| Alliance Bernstein High Income Z Fund | — | — | — | $221K | 0.6% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $212K | 0.6% | |
| BlackRock iShares US Agg Bond Index | — | — | — | $206K | 0.6% | |
| Principal Global Investors Trust Co Lifetime Hybrid Income | — | — | — | $147K | 0.4% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 011 | Common Collective Trust | — | — | $147K | 0.4% | |
| Principal Life Insurance Company Janus Henderson Triton N Fund | — | — | — | $132K | 0.4% | |
| PIMCO Funds Global Bond | — | — | — | $126K | 0.3% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 013 | Common Collective Trust | — | — | $113K | 0.3% | |
| The American Funds Bond Fund of America | — | — | — | $89K | 0.2% | |
| Vanguard Group Inflation-Protection Sec | — | — | — | $38K | 0.1% | |
| PRIN LIFETIME HYB 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 42-0127290 / PN 014 | Common Collective Trust | — | — | $2K | <0.1% |