# Citizens National Bank Of Texas 401(k) Plan
Source: https://planprovider.pro/companies/citizens-national-bank-of-texas-401k-plan

> Citizens National Bank Of Texas's 401(k) plan: 189 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Citizens National Bank Of Texas

- **Sponsor EIN:** 750187771

- **Sponsor Address:** 200 N ELM STREET, WAXAHACHIE, TX, 751653614

- **Plan Type:** 401(k)

- **Total Participants:** 189

- **Total Assets:** $28.1M

## 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.|

| 2024|189|$28.1M|$585,785|$1.7M|

| 2023|190|$29.8M|$555,495|$1.5M|

| 2022|188|$30.7M|$488,595|$1.3M|

## 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|

| PRINCIPAL LIFE INSURANCE COMPANY|CONTRACT ADMINISTRATOR|$49,460|—|$49,460|

| COMMERCE STREET INVESTMENT MANAGEME|INVESTMENT ADVISORY|$22,542|$4|$22,546|

| FOX BYRD AND COMPANY|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [FOX BYRD AND COMPANY](https://planprovider.pro/provider/fox-byrd-and-company-pc) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $72,006

- **Estimated Expense Ratio:** 0.256% 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|

| 2024|$72,002|$22,542|$49,460|—|—|

| 2023|$80,289|$26,480|$53,809|—|—|

| 2022|$80,283|$28,415|$51,868|—|—|

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