401(k) · DOL Form 5500 · 2024

Citizens Financial Corporation, Inc. 401(k) Plan

Data updated 2026-08-25

$21M
Total assets Small plan by assets
628
Participants Below avg headcount
71st
Percentile by assets National rank
$32,675
Avg per participant Low balance/head
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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.

  • #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.

#4,787
in Finance & Insurance (8,549 peers)
+26.0%
assets growth YoY

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement's outsized position 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

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

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 among mid-size filed plans by headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement sits mid-pack in the medium band (628 participants).

What changed between DOL Form 5500 filings

plan year 2023 → 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 →

Plan-year Form 5500 strip

Filing strip 611187135 · Citizens Financial Corporation, Inc. PY 2024 · 401(k)

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement · $21M · 628 · 71st

  • PART $21M
  • PART 628
  • PART 71st
  • PART 401(k)
  • PART near Atlanta Heart Specialists, LLC 401(k) Plan
  • PART ind #4787

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Kentucky →

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement in the asset neighbourhood

Citizens Financial Corp. 401(k) Savings Plan and Trust AgreementCitizens Financial Corp. 401…$21MAtlanta Heart Specialists, LLC 401(k) PlanAtlanta Heart Specialists, L…$21MAso 401(k) Savings Plan$21MMerit Brass Co. 401(k) Profit Sharing Plan & TrustMerit Brass Co. 401(k) Profi…$21MAtlantic Tool & Die Company 401(k) Plan and TrustAtlantic Tool & Die Company …$21M
End-of-year total assets ($M) among Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Citizens Financial Corporation, Inc. multi-year asset trail

Sponsor-wide plan assets over time

All Citizens Financial Corporation, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$21M 64.18803271769288% vs 2022
2024 filing year
$10M$15M$20M$25M 202220232024 $12.5M $20.5M ▲ +64.2%
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 EIN611187135
Plan Effective Date1997-01-01
Filing StatusFILING 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 Scatter plot of 6 data points. -20000020000400006000080000100000 -20246810 Total assets ($B) Participants Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement, Total assets ($B): 0.020519933 · Participants: 628Citizens Financial Corp. 401(k) Savings Plan and Trust AgreementCommonspirit Health 401(k) Retirement Savings Plan, Total assets ($B): 8.826314209 · Participants: 90345Commonspirit Health 401(k) Retirement Savings PlanHumana Retirement Savings Plan, Total assets ($B): 7.706147015 · Participants: 45706Humana Retirement Savings PlanUPS/Ipa 401(k) Savings Plan, Total assets ($B): 1.501700415 · Participants: 3064UPS/Ipa 401(k) Savings PlanScionhealth 401(k) Plan, Total assets ($B): 1.316012841 · Participants: 23753Scionhealth 401(k) PlanLexmark Savings Plan, Total assets ($B): 1.211057397 · Participants: 1919Lexmark Savings Plan
Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement vs. nearby 401(k) plans in Kentucky, assets vs. participants
Compare Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement side-by-side with 3 peers →

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement's out-of-state 401(k) peers by assets and headcount

Outside Kentucky, the nearest 401(k) by assets is Atlanta Heart Specialists, LLC 401(k) Plan in GA ($21M); by covered participants it is Franklin Building Supply 401(k) Profit Sharing Plan in ID (628 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (628 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

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).
Which 401(k) plans cover a similar participant headcount to Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement? ▼
Among 401(k) plans in other states, the closest by covered participants is Franklin Building Supply 401(k) Profit Sharing Plan in ID (628 participants, $18M in assets).

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.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.