Plan Ledger DOL Form 5500 · updated monthly

Citizens Bank & Trust401(k)

CITIZENS BANK & TRUST RETIREMENT BENEFITS PLAN · KANSAS CITY, MO · plan year 2022

Reported admin expense ratio · 2022
0.00%

Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works

Citizens Bank & Trust reported $571 in plan administrative expenses for 2022: 0.00% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,623 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

The plan sits in the $10M–$50M size bracket, benchmarked here against 26,806 comparable plans and shown alongside other finance & insurance employers. By assets it is the 439th-largest of 1,393 plans among Missouri employers on file, and the 2,344th of 4,798 in finance & insurance. In 2022, employees put in $2.23 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$31,431,671
Participants with balances284
Active participants157
Employer contributions$411,794
Employee contributions$919,359
Employer contribution per active participant$2,623
Average account balance$110,675
Benefits paid to participants$2,178,583
Plan auditUnmodified (clean) audit opinion
Plan history2
Yearassets · accounts · employer contribution
2023$0 · $16K emplr
2022$31.4M · 284 accts · $412K emplr
The Citizens Bank & Trust 401(k) match · 2022
Employer contribution per active participant$2,623
Median for plans this size$2,266

Citizens Bank & Trust's 2022 employer contribution ran above the $2,266 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2022 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Administrative cost history2
2023Not separately reported
2022$571 · 0.00%
Same employer
Similar plansFinance & Insurance · Missouri
Midwest Bankcentre MO$36.7M · 0.29%
Midwest Bancorporation, Inc MO$35.3M · 0.27%
Plancorp, Inc. MO$31.6M · 0.03%
Gershman Investment Corp. MO$31.1M · 0.43%
Spring Venture Group, LLC MO$28.4M · 0.33%

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Source: U.S. Department of Labor, Form 5500 series, EIN 430951646 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.