Plan Snapshot
- Plan Sponsor: Citigroup INC.
- Sponsor EIN: 521568099
- Sponsor Address: 750 WASHINGTON BLVD 7TH FLOOR, STAMFORD, CT, 06901
- Plan Type: 401(k)
- Plan Number: 004
- Total Participants: 117,332
- Total Assets: $26.9B
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 117,332 | $26.9B | $0 | $0 |
| 2024 | 74,487 | $23.2B | $584.1M | $878.9M |
| 2023 | 79,128 | $20.7B | $541.4M | $857.0M |
| 2022 | 78,295 | $17.4B | $468.6M | $739.7M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| BLACKROCK INSTITUTIONAL TRUST CO,NA | Other Service Provider | $3,899,608 | — | $3,899,608 |
| ALIGHT SOLUTIONS LLC | Other Service Provider | $3,137,383 | — | $3,137,383 |
| BANK OF NEW YORK MELLON | Custodian / Trustee | $928,884 | — | $928,884 |
| WCM INVESTMENT MANAGEMENT, LLC | Other Service Provider | $865,250 | — | $865,250 |
| T ROWE PRICE ASSOCIATES, INC. | Other Service Provider | $843,728 | — | $843,728 |
| MFS INSTITUTIONAL ADVISORS | Other Service Provider | $798,944 | — | $798,944 |
| LAZARD ASSET MANAGEMENT LLC | Other Service Provider | $751,297 | — | $751,297 |
| WILLIAM BLAIR INVESTMENT MGMT, LLC | Other Service Provider | $503,182 | — | $503,182 |
| MELLON INVESTMENTS CORPORATION | Other Service Provider | $463,747 | — | $463,747 |
| PRINCIPAL SMALL CAP SELECT | Other Service Provider | $455,203 | — | $455,203 |
| ACADIAN ASSET MANAGEMENT LLC | Other Service Provider | $430,846 | — | $430,846 |
| INSIGHT INVESTMENTS | Other Service Provider | $389,044 | — | $389,044 |
| KPMG | Other Service Provider | $324,400 | — | $324,400 |
| BOSTON PARTNERS | Other Service Provider | $311,134 | — | $311,134 |
| HEITMAN LLC | Other Service Provider | $251,776 | — | $251,776 |
| CALLAN HOLDINGS' INC. | Other Service Provider | $139,699 | — | $139,699 |
| BSR | Other Service Provider | $76,038 | — | $76,038 |
| FIDUCIARY COUNSELORS | Other Service Provider | $59,871 | — | $59,871 |
| WILLIS TOWERS WATSON | Other Service Provider | $52,886 | — | $52,886 |
| PROSKAUER ROSE LLP | Other Service Provider | $25,195 | — | $25,195 |
| MERCER | Other Service Provider | $24,946 | — | $24,946 |
| MORGAN, LEWIS AND BOCKIUS LLP | Other Service Provider | $20,067 | — | $20,067 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $14,753,128
- Estimated Expense Ratio: 0.055% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $1,998,442,346 | $14,281,552 | $3,137,383 | $324,400 | — |
| 2024 | $20,408,429 | $13,967,395 | $4,450,700 | $313,189 | — |
| 2023 | $16,029,543 | $9,694,369 | $4,578,742 | $297,971 | — |
| 2022 | $17,573,253 | $11,342,498 | $4,543,647 | — | $1,553,043 |