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Original filing (PDF)20251015103225NAL0004592545001
CITIZENS TRI-COUNTY BANK
Form 5500
FILING_RECEIVED
CITIZENS TRI-COUNTY BANK SAFE HARBOR 401K PLAN
401(k) retirement plan
Signals · 2
27% in single holdingNo recordkeeper disclosed
Active participants
346
Accounts w/ balance
326
Plan assets (EOY)
$24.8M
Net assets (EOY)
$24.8M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "American United Life Insurance Co." is 27% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (1 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CITIZENS TRI-COUNTY BANK.
Plan sponsor
Name
CITIZENS TRI-COUNTY BANK
EIN
62-0875633
Address
15699 RANKIN AVENUE NORTH · P.O. BOX 697 · DUNLAP, TN · 37327
Phone
(423) 949-2173
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
2025-10-15
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MAULDIN & JENKINS, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $2K | — |
| PENSIONMARK FIN GROUP LLC | 61-1758632 | — | NONE | $0 | — |
Investments
34 direct securities · 1 pooled fund· $42.6M(100% 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.
Uncategorized
$24.7M
34 holdings
Pooled Separate Account
$17.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT II AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $17.9M | 72.3% | |
| American United Life Insurance Co. | — | — | — | $6.7M | 26.9% | |
| American United Life Insurance Co. | — | — | — | $1.9M | 7.7% | |
| American United Life Insurance Co. | — | — | — | $1.6M | 6.6% | |
| American United Life Insurance Co. | — | — | — | $1.4M | 5.8% | |
| American United Life Insurance Co. | — | — | — | $1.4M | 5.5% | |
| American United Life Insurance Co. | — | — | — | $1.4M | 5.5% | |
| American United Life Insurance Co. | — | — | — | $1.3M | 5.1% | |
| American United Life Insurance Co. | — | — | — | $942K | 3.8% | |
| American United Life Insurance Co. | — | — | — | $814K | 3.3% | |
| American United Life Insurance Co. | — | — | — | $761K | 3.1% | |
| American United Life Insurance Co. | — | — | — | $740K | 3.0% | |
| American United Life Insurance Co. | — | — | — | $733K | 3.0% | |
| American United Life Insurance Co. | — | — | — | $647K | 2.6% | |
| American United Life Insurance Co. | — | — | — | $644K | 2.6% | |
| American United Life Insurance Co. | — | — | — | $641K | 2.6% | |
| American United Life Insurance Co. | — | — | — | $465K | 1.9% | |
| American United Life Insurance Co. | — | — | — | $410K | 1.7% | |
| American United Life Insurance Co. | — | — | — | $397K | 1.6% | |
| American United Life Insurance Co. | — | — | — | $293K | 1.2% | |
| American United Life Insurance Co. | — | — | — | $267K | 1.1% | |
| American United Life Insurance Co. | — | — | — | $206K | 0.8% | |
| Notes receivable from participants | — | — | — | $179K | 0.7% | |
| American United Life Insurance Co. | — | — | — | $161K | 0.6% | |
| American United Life Insurance Co. | — | — | — | $152K | 0.6% | |
| American United Life Insurance Co. | — | — | — | $129K | 0.5% | |
| American United Life Insurance Co. | — | — | — | $117K | 0.5% | |
| American United Life Insurance Co. | — | — | — | $90K | 0.4% | |
| American United Life Insurance Co. | — | — | — | $79K | 0.3% | |
| American United Life Insurance Co. | — | — | — | $73K | 0.3% | |
| American United Life Insurance Co. | — | — | — | $54K | 0.2% | |
| American United Life Insurance Co. | — | — | — | $50K | 0.2% | |
| American United Life Insurance Co. | — | — | — | $48K | 0.2% | |
| American United Life Insurance Co. | — | — | — | $43K | 0.2% | |
| American United Life Insurance Co. | — | — | — | $1K | <0.1% |