401(k) · DOL Form 5500 · 2024

Citizens Financial Corporation, Inc. 401(k) Plan

Data updated 2026-08-11

$21M
Total assets: 628
Participants: 71st
Percentile by assets: $32,675
Avg per participant

Official DOL plan name: Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement · Sponsored by Citizens Financial Corporation, Inc. · Kentucky · Finance & Insurance

$21M in assets, 628 participants

Citizens Financial Corporation, Inc.'s Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement reported $21M in total assets and 628 participants in its 2024 DOL Form 5500 filing, ranking in the 71st percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

71st percentile by assets (of 123,622 plans)
#4,787 in Finance & Insurance (8,549 peers)

Citizens Financial Corporation, Inc. multi-year trail

Citizens Financial Corporation, Inc.'s plans moved +64.2% in assets from 2022 to 2024; this filing shows Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement at $21M / 628 participants.

$21M
total plan assets (2024 EOY): 628
covered participants: 71st
percentile by assets (of 123,622 plans): $32,675
avg assets per participant

Where Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement sits by total assets

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$20,519,933 Top 29% higher than 71% of 123,620 filed plans

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement end-of-year assets rose from $16M in the plan year 2023 filing to $21M in the plan year 2024 filing.
Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement reported net income rose from $4M in the plan year 2023 filing to $4M in the plan year 2024 filing.
Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement reported participants rose from 588 in the plan year 2023 filing to 628 in the plan year 2024 filing.

See the national 2023→2024 release diff →

State

Kentucky

Industry

Finance & Insurance

Citizens Financial Corporation, Inc. across 3 plan years on file

Across the 3 plan years Citizens Financial Corporation, Inc. has on file (2022-2024), sponsor-wide plan assets have moved from $12M to $21M, a gain of 64.2%, while reported participants moved from 470 to 628 (+33.6%). Peak year by sponsor assets: 2024 ($21M); trough: 2022 ($12M).

Citizens Financial Corporation, Inc. multi-year asset trail

Total plan assets by year, all Citizens Financial Corporation, Inc. plans on file

Year	Plans	Participants	Total Assets
2022	1	470	$12M
2023	1	588	$16M
2024	1	628	$21M

Citizens Financial Corporation, Inc. filing trail (2024)

Total Assets (Beginning of Year)	$16M
Net Assets (End of Year)	$21M
Net Income	$4M
Employer EIN	611187135
Plan Effective Date	1997-01-01
Filing Status	FILING RECEIVED

Nearby 401(k) Plans in Kentucky

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement vs. nearby 401(k) plans in Kentucky, assets vs. participants

Commonspirit Health 401(k) Retirement Savings Plan $8.8B · 90,345
Humana Retirement Savings Plan $7.7B · 45,706
UPS/Ipa 401(k) Savings Plan $1.5B · 3,064
Scionhealth 401(k) Plan $1.3B · 23,753
Lexmark Savings Plan $1.2B · 1,919

Compare Citizens Financial Corp. 401(k) Savings … side-by-side with 3 peers →

Similar-Sized 401(k) Plans Nationally

401(k) plans in other states closest to Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement by total assets, not by location.

Atlanta Heart Specialists, LLC 401(k) Plan (GA) $21M · 106
Aso 401(k) Savings Plan (FL) $21M · 279
Merit Brass Co. 401(k) Profit Sharing Plan & Trust (OH) $21M · 225
Atlantic Tool & Die Company 401(k) Plan and Trust (OH) $21M · 329

Frequently Asked Questions

How did Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement assets move in 2024? ▼

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement grew sharply - up 26.0% during 2024, from $16M to $21M. Reported net income was $4M.

How have Citizens Financial Corporation, Inc. plan assets changed over time? ▼

Across 3 plan years on file (2022-2024), Citizens Financial Corporation, Inc.'s sponsor-wide assets grew 64.2%, from $12M to $21M.

Which 401(k) plans are similar in size to Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement? ▼

Among 401(k) plans in other states, the closest by assets is Atlanta Heart Specialists, LLC 401(k) Plan in GA ($21M, 106 participants).

Next read for Citizens Financial Corp. 401(k) Savings …

Multi-year trail

Ways to act on Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement's numbers.

By total assets, Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement ranks above the median plan by assets. See the largest plans
Compare it side-by-side against 3 similar 401(k) plans in Kentucky. Compare plans
Citizens Financial Corporation, Inc.'s sponsor-wide assets have grown 64.2% since 2022 across 3 plan years on file. More Finance & Insurance plans

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 611187135.