Civic Intelligence

RBS CITIZENS FINANCIAL GROUP, INC.

Plan context: Citizens 401K Plan

EIN 05-0412693 • 98 filings • 25 plans

Current Snapshot

Latest Year

2024

2024 Participants

17,701

2024 Assets

$4,450,834,290

2024 Contributions

$248,501,304

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$4,450,834,290$2,225,417,145$0199920122024YearValue
$4,450,834,290Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

25,97012,9850199920122024YearValue
17,701Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2024317,701$4,450,834,290$248,501,304$14,039iApproximate average salary by contribution assumption: employee only about $350,971 at 4% or $233,980 at 6%; with 50% employer match about $233,980 at 4% or $155,987 at 6%; with 100% employer match about $175,485 at 4% or $116,990 at 6%.
Citizens 401K Plan-17,701$3,249,944,772$248,501,304$14,039iApproximate average salary by contribution assumption: employee only about $350,971 at 4% or $233,980 at 6%; with 50% employer match about $233,980 at 4% or $155,987 at 6%; with 100% employer match about $175,485 at 4% or $116,990 at 6%.
Citizens Pension Plan-2,727$1,200,889,518--
Cfg Health Plans-17,608---
2023418,319$4,214,486,574$246,923,298$13,479iApproximate average salary by contribution assumption: employee only about $336,977 at 4% or $224,651 at 6%; with 50% employer match about $224,651 at 4% or $149,768 at 6%; with 100% employer match about $168,489 at 4% or $112,326 at 6%.
Citizens 401K Plan-17,893$2,930,113,664$246,923,298$13,800iApproximate average salary by contribution assumption: employee only about $345,000 at 4% or $230,000 at 6%; with 50% employer match about $230,000 at 4% or $153,333 at 6%; with 100% employer match about $172,500 at 4% or $115,000 at 6%.
Citizens Pension Plan-2,962$1,144,438,285--
INVESTORS BANK PENSION PLAN-281$139,934,625--
Cfg Health Plans-18,319---
2022419,047$3,695,800,409$230,065,287$12,079iApproximate average salary by contribution assumption: employee only about $301,971 at 4% or $201,314 at 6%; with 50% employer match about $201,314 at 4% or $134,209 at 6%; with 100% employer match about $150,985 at 4% or $100,657 at 6%.
Citizens 401K Plan-19,047$2,504,448,168$230,065,287$12,079iApproximate average salary by contribution assumption: employee only about $301,971 at 4% or $201,314 at 6%; with 50% employer match about $201,314 at 4% or $134,209 at 6%; with 100% employer match about $150,985 at 4% or $100,657 at 6%.
Citizens Pension Plan-3,296$1,057,335,024--
INVESTORS BANK PENSION PLAN-372$134,017,217--
Cfg Health Plans-18,514---
2021317,453$4,211,647,774$197,696,738$11,327iApproximate average salary by contribution assumption: employee only about $283,184 at 4% or $188,790 at 6%; with 50% employer match about $188,790 at 4% or $125,860 at 6%; with 100% employer match about $141,592 at 4% or $94,395 at 6%.
Citizens 401K Plan-17,453$2,816,476,065$197,696,738$11,327iApproximate average salary by contribution assumption: employee only about $283,184 at 4% or $188,790 at 6%; with 50% employer match about $188,790 at 4% or $125,860 at 6%; with 100% employer match about $141,592 at 4% or $94,395 at 6%.
Citizens Pension Plan-3,600$1,395,171,709--
Cfg Health Plans-17,254---
2020317,924$3,856,602,599$204,417,458$11,405iApproximate average salary by contribution assumption: employee only about $285,117 at 4% or $190,078 at 6%; with 50% employer match about $190,078 at 4% or $126,719 at 6%; with 100% employer match about $142,558 at 4% or $95,039 at 6%.
Citizens 401K Plan-17,556$2,512,186,369$204,417,458$11,644iApproximate average salary by contribution assumption: employee only about $291,093 at 4% or $194,062 at 6%; with 50% employer match about $194,062 at 4% or $129,375 at 6%; with 100% employer match about $145,547 at 4% or $97,031 at 6%.
Citizens Pension Plan-3,931$1,344,416,230--
Cfg Health Plans-17,924---
2019318,448$3,419,604,274$193,140,371$10,469iApproximate average salary by contribution assumption: employee only about $261,736 at 4% or $174,491 at 6%; with 50% employer match about $174,491 at 4% or $116,327 at 6%; with 100% employer match about $130,868 at 4% or $87,245 at 6%.
Citizens 401K Plan-17,978$2,167,125,796$193,140,371$10,743iApproximate average salary by contribution assumption: employee only about $268,579 at 4% or $179,053 at 6%; with 50% employer match about $179,053 at 4% or $119,368 at 6%; with 100% employer match about $134,289 at 4% or $89,526 at 6%.
Citizens Pension Plan-4,359$1,252,478,478--
Cfg Health Plans-18,448---
2018318,374$2,835,513,869$174,721,319$9,509iApproximate average salary by contribution assumption: employee only about $237,729 at 4% or $158,486 at 6%; with 50% employer match about $158,486 at 4% or $105,657 at 6%; with 100% employer match about $118,865 at 4% or $79,243 at 6%.
Citizens 401K Plan-17,469$1,783,311,372$174,721,319$10,002iApproximate average salary by contribution assumption: employee only about $250,045 at 4% or $166,697 at 6%; with 50% employer match about $166,697 at 4% or $111,131 at 6%; with 100% employer match about $125,022 at 4% or $83,348 at 6%.
Citizens Pension Plan-4,796$1,052,202,497--
Cfg Health Plans-18,374---
2017317,716$2,997,405,284$217,400,665$12,271iApproximate average salary by contribution assumption: employee only about $306,786 at 4% or $204,524 at 6%; with 50% employer match about $204,524 at 4% or $136,349 at 6%; with 100% employer match about $153,393 at 4% or $102,262 at 6%.
Citizens 401K Plan-17,716$1,808,043,799$167,400,665$9,449iApproximate average salary by contribution assumption: employee only about $236,228 at 4% or $157,485 at 6%; with 50% employer match about $157,485 at 4% or $104,990 at 6%; with 100% employer match about $118,114 at 4% or $78,743 at 6%.
Citizens Pension Plan-5,280$1,189,361,485$50,000,000$9,470iApproximate average salary by contribution assumption: employee only about $236,742 at 4% or $157,828 at 6%; with 50% employer match about $157,828 at 4% or $105,219 at 6%; with 100% employer match about $118,371 at 4% or $78,914 at 6%.
Cfg Health Plans-17,600---
2016317,828$2,588,107,820$148,323,919$8,320iApproximate average salary by contribution assumption: employee only about $207,993 at 4% or $138,662 at 6%; with 50% employer match about $138,662 at 4% or $92,441 at 6%; with 100% employer match about $103,996 at 4% or $69,331 at 6%.
Citizens 401K Plan-17,828$1,534,872,999$148,323,919$8,320iApproximate average salary by contribution assumption: employee only about $207,993 at 4% or $138,662 at 6%; with 50% employer match about $138,662 at 4% or $92,441 at 6%; with 100% employer match about $103,996 at 4% or $69,331 at 6%.
Citizens Pension Plan-5,902$1,053,234,821--
Cfg Health Plans-17,013---
2015318,797$2,424,381,393$214,985,675$11,437iApproximate average salary by contribution assumption: employee only about $285,931 at 4% or $190,621 at 6%; with 50% employer match about $190,621 at 4% or $127,080 at 6%; with 100% employer match about $142,965 at 4% or $95,310 at 6%.
Citizens 401K Plan-18,797$1,416,035,912$139,985,675$7,447iApproximate average salary by contribution assumption: employee only about $186,181 at 4% or $124,121 at 6%; with 50% employer match about $124,121 at 4% or $82,747 at 6%; with 100% employer match about $93,090 at 4% or $62,060 at 6%.
Citizens Pension Plan-6,670$1,008,345,481$75,000,000$11,244iApproximate average salary by contribution assumption: employee only about $281,109 at 4% or $187,406 at 6%; with 50% employer match about $187,406 at 4% or $124,938 at 6%; with 100% employer match about $140,555 at 4% or $93,703 at 6%.
Cfg Health Plans-17,330---
2014319,976$2,578,111,260$273,866,087$13,710iApproximate average salary by contribution assumption: employee only about $342,744 at 4% or $228,496 at 6%; with 50% employer match about $228,496 at 4% or $152,331 at 6%; with 100% employer match about $171,372 at 4% or $114,248 at 6%.
Citizens 401K Plan-19,976$1,438,719,091$173,866,087$8,704iApproximate average salary by contribution assumption: employee only about $217,594 at 4% or $145,062 at 6%; with 50% employer match about $145,062 at 4% or $96,708 at 6%; with 100% employer match about $108,797 at 4% or $72,531 at 6%.
Citizens Pension Plan-7,769$1,139,392,169$100,000,000$12,872iApproximate average salary by contribution assumption: employee only about $321,792 at 4% or $214,528 at 6%; with 50% employer match about $214,528 at 4% or $143,019 at 6%; with 100% employer match about $160,896 at 4% or $107,264 at 6%.
Cfg Health Plans-12,994---
2013321,861$3,045,681,084$196,964,480$9,010iApproximate average salary by contribution assumption: employee only about $225,246 at 4% or $150,164 at 6%; with 50% employer match about $150,164 at 4% or $100,110 at 6%; with 100% employer match about $112,623 at 4% or $75,082 at 6%.
Citizens 401K Plan-21,861$2,014,332,528$196,964,480$9,010iApproximate average salary by contribution assumption: employee only about $225,246 at 4% or $150,164 at 6%; with 50% employer match about $150,164 at 4% or $100,110 at 6%; with 100% employer match about $112,623 at 4% or $75,082 at 6%.
Citizens Pension Plan-10,373$1,031,348,556--
Cfg Health Plans-21,399---
2012323,214$2,673,616,748$198,708,833$8,560iApproximate average salary by contribution assumption: employee only about $213,997 at 4% or $142,665 at 6%; with 50% employer match about $142,665 at 4% or $95,110 at 6%; with 100% employer match about $106,998 at 4% or $71,332 at 6%.
Citizens 401K Plan-23,214$1,671,578,016$198,708,833$8,560iApproximate average salary by contribution assumption: employee only about $213,997 at 4% or $142,665 at 6%; with 50% employer match about $142,665 at 4% or $95,110 at 6%; with 100% employer match about $106,998 at 4% or $71,332 at 6%.
Citizens Pension Plan-12,178$1,002,038,732--
Cfg Health Plans-22,930---
2011324,154$2,572,010,932$402,537,979$16,665iApproximate average salary by contribution assumption: employee only about $416,637 at 4% or $277,758 at 6%; with 50% employer match about $277,758 at 4% or $185,172 at 6%; with 100% employer match about $208,318 at 4% or $138,879 at 6%.
Citizens 401K Plan-24,154$1,463,263,232$202,537,979$8,385iApproximate average salary by contribution assumption: employee only about $209,632 at 4% or $139,755 at 6%; with 50% employer match about $139,755 at 4% or $93,170 at 6%; with 100% employer match about $104,816 at 4% or $69,877 at 6%.
Citizens Pension Plan-14,386$1,108,747,700$200,000,000$13,902iApproximate average salary by contribution assumption: employee only about $347,560 at 4% or $231,707 at 6%; with 50% employer match about $231,707 at 4% or $154,471 at 6%; with 100% employer match about $173,780 at 4% or $115,853 at 6%.
Cfg Health Plans-19,796---
2010425,738$2,390,591,527$189,072,789$7,346iApproximate average salary by contribution assumption: employee only about $183,651 at 4% or $122,434 at 6%; with 50% employer match about $122,434 at 4% or $81,623 at 6%; with 100% employer match about $91,826 at 4% or $61,217 at 6%.
Citizens 401K Plan-25,738$1,415,129,710$189,072,789$7,346iApproximate average salary by contribution assumption: employee only about $183,651 at 4% or $122,434 at 6%; with 50% employer match about $122,434 at 4% or $81,623 at 6%; with 100% employer match about $91,826 at 4% or $61,217 at 6%.
Citizens Pension Plan-16,780$975,461,817--
MASTER TRUST FOR RBS AMERICAS RETIREMENT SAVINGS PLAN-----
Cfg Health Plans-18,296---
2009425,970$2,419,429,647$166,022,282$6,393iApproximate average salary by contribution assumption: employee only about $159,821 at 4% or $106,547 at 6%; with 50% employer match about $106,547 at 4% or $71,032 at 6%; with 100% employer match about $79,911 at 4% or $53,274 at 6%.
Citizens 401K Plan-25,970$1,234,394,712$166,022,282$6,393iApproximate average salary by contribution assumption: employee only about $159,821 at 4% or $106,547 at 6%; with 50% employer match about $106,547 at 4% or $71,032 at 6%; with 100% employer match about $79,911 at 4% or $53,274 at 6%.
Citizens Pension Plan-20,980$930,533,492--
MASTER TRUST FOR RBS AMERICAS RETIREMENT SAVINGS PLAN--$254,501,443--
Cfg Health Plans-25,612---
2008324,213$1,791,172,307$240,311,232$9,925iApproximate average salary by contribution assumption: employee only about $248,122 at 4% or $165,415 at 6%; with 50% employer match about $165,415 at 4% or $110,276 at 6%; with 100% employer match about $124,061 at 4% or $82,707 at 6%.
Citizens 401K Plan-24,213$982,555,785$90,311,232$3,730iApproximate average salary by contribution assumption: employee only about $93,247 at 4% or $62,164 at 6%; with 50% employer match about $62,164 at 4% or $41,443 at 6%; with 100% employer match about $46,623 at 4% or $31,082 at 6%.
Citizens Pension Plan-21,877$808,616,522$150,000,000$6,857iApproximate average salary by contribution assumption: employee only about $171,413 at 4% or $114,275 at 6%; with 50% employer match about $114,275 at 4% or $76,184 at 6%; with 100% employer match about $85,706 at 4% or $57,138 at 6%.
Cfg Health Plans-23,618---
2007423,372$1,596,397,089$140,520,919$6,012iApproximate average salary by contribution assumption: employee only about $150,309 at 4% or $100,206 at 6%; with 50% employer match about $100,206 at 4% or $66,804 at 6%; with 100% employer match about $75,155 at 4% or $50,103 at 6%.
Citizens 401K Plan-23,365$804,737,781$80,520,919$3,446iApproximate average salary by contribution assumption: employee only about $86,155 at 4% or $57,437 at 6%; with 50% employer match about $57,437 at 4% or $38,291 at 6%; with 100% employer match about $43,078 at 4% or $28,718 at 6%.
Citizens Pension Plan-19,665$791,659,308$60,000,000$3,051iApproximate average salary by contribution assumption: employee only about $76,278 at 4% or $50,852 at 6%; with 50% employer match about $50,852 at 4% or $33,901 at 6%; with 100% employer match about $38,139 at 4% or $25,426 at 6%.
Cfg Health Plans-23,372---
St. Paul Federal Bank for Savings Employees Pension Plan-0---
2006524,987$1,500,604,675$134,494,551$5,383iApproximate average salary by contribution assumption: employee only about $134,565 at 4% or $89,710 at 6%; with 50% employer match about $89,710 at 4% or $59,806 at 6%; with 100% employer match about $67,282 at 4% or $44,855 at 6%.
Citizens 401K Plan-24,987$791,778,617$77,088,637$3,085iApproximate average salary by contribution assumption: employee only about $77,129 at 4% or $51,419 at 6%; with 50% employer match about $51,419 at 4% or $34,279 at 6%; with 100% employer match about $38,564 at 4% or $25,710 at 6%.
Citizens Pension Plan-19,881$703,179,767$57,000,000$2,867iApproximate average salary by contribution assumption: employee only about $71,676 at 4% or $47,784 at 6%; with 50% employer match about $47,784 at 4% or $31,856 at 6%; with 100% employer match about $35,838 at 4% or $23,892 at 6%.
St. Paul Federal Bank for Savings Employees Pension Plan-120$5,646,291$405,914$3,383iApproximate average salary by contribution assumption: employee only about $84,565 at 4% or $56,377 at 6%; with 50% employer match about $56,377 at 4% or $37,585 at 6%; with 100% employer match about $42,283 at 4% or $28,188 at 6%.
The Federal Savings Bank Employees Stock Ownership Plan-0---
Cfg Health Plans-24,071---
2005523,893$620,477,192$50,688,504$2,121iApproximate average salary by contribution assumption: employee only about $53,037 at 4% or $35,358 at 6%; with 50% employer match about $35,358 at 4% or $23,572 at 6%; with 100% employer match about $26,518 at 4% or $17,679 at 6%.
Citizens Pension Plan-20,064$599,535,452$48,000,000$2,392iApproximate average salary by contribution assumption: employee only about $59,809 at 4% or $39,872 at 6%; with 50% employer match about $39,872 at 4% or $26,582 at 6%; with 100% employer match about $29,904 at 4% or $19,936 at 6%.
The Federal Savings Bank Employees Stock Ownership Plan-622$15,289,161$2,608,504$4,194iApproximate average salary by contribution assumption: employee only about $104,843 at 4% or $69,896 at 6%; with 50% employer match about $69,896 at 4% or $46,597 at 6%; with 100% employer match about $52,422 at 4% or $34,948 at 6%.
St. Paul Federal Bank for Savings Employees Pension Plan-132$5,652,579$80,000$606iApproximate average salary by contribution assumption: employee only about $15,152 at 4% or $10,101 at 6%; with 50% employer match about $10,101 at 4% or $6,734 at 6%; with 100% employer match about $7,576 at 4% or $5,051 at 6%.
RBS HEALTH AND WELFARE PLAN-0---
Cfg Health Plans-23,893---
2004418,712$866,540,594$105,446,228$5,635iApproximate average salary by contribution assumption: employee only about $140,880 at 4% or $93,920 at 6%; with 50% employer match about $93,920 at 4% or $62,614 at 6%; with 100% employer match about $70,440 at 4% or $46,960 at 6%.
Citizens Pension Plan-18,712$543,535,136$56,000,000$2,993iApproximate average salary by contribution assumption: employee only about $74,818 at 4% or $49,879 at 6%; with 50% employer match about $49,879 at 4% or $33,253 at 6%; with 100% employer match about $37,409 at 4% or $24,939 at 6%.
Citizens 401K Plan-15,894$323,005,458$49,446,228$3,111iApproximate average salary by contribution assumption: employee only about $77,775 at 4% or $51,850 at 6%; with 50% employer match about $51,850 at 4% or $34,567 at 6%; with 100% employer match about $38,887 at 4% or $25,925 at 6%.
Cfg Health Plans-15,073---
RBS HEALTH AND WELFARE PLAN-377---
2003314,719$719,854,359$97,039,679$6,593iApproximate average salary by contribution assumption: employee only about $164,820 at 4% or $109,880 at 6%; with 50% employer match about $109,880 at 4% or $73,254 at 6%; with 100% employer match about $82,410 at 4% or $54,940 at 6%.
Citizens Pension Plan-12,666$459,075,101$53,600,000$4,232iApproximate average salary by contribution assumption: employee only about $105,795 at 4% or $70,530 at 6%; with 50% employer match about $70,530 at 4% or $47,020 at 6%; with 100% employer match about $52,898 at 4% or $35,265 at 6%.
Citizens 401K Plan-14,719$260,779,258$43,439,679$2,951iApproximate average salary by contribution assumption: employee only about $73,782 at 4% or $49,188 at 6%; with 50% employer match about $49,188 at 4% or $32,792 at 6%; with 100% employer match about $36,891 at 4% or $24,594 at 6%.
Cfg Health Plans-14,573---
2002615,228$516,909,548$118,487,304$7,781iApproximate average salary by contribution assumption: employee only about $194,522 at 4% or $129,681 at 6%; with 50% employer match about $129,681 at 4% or $86,454 at 6%; with 100% employer match about $97,261 at 4% or $64,841 at 6%.
Citizens Pension Plan-10,779$340,830,793$77,203,228$7,162iApproximate average salary by contribution assumption: employee only about $179,059 at 4% or $119,373 at 6%; with 50% employer match about $119,373 at 4% or $79,582 at 6%; with 100% employer match about $89,530 at 4% or $59,686 at 6%.
Citizens 401K Plan-15,228$176,078,755$41,284,076$2,711iApproximate average salary by contribution assumption: employee only about $67,777 at 4% or $45,184 at 6%; with 50% employer match about $45,184 at 4% or $30,123 at 6%; with 100% employer match about $33,888 at 4% or $22,592 at 6%.
Ust Corp. Long Term Disability Plan-0---
Ust Health Benefit Plan-0---
MEDFORD SAVINGS BANK GROUP LONG TERM DISABILITY PLAN-0---
Cfg Health Plans-13,512---
2001312,617$390,846,148$22,194,341$1,759iApproximate average salary by contribution assumption: employee only about $43,977 at 4% or $29,318 at 6%; with 50% employer match about $29,318 at 4% or $19,545 at 6%; with 100% employer match about $21,989 at 4% or $14,659 at 6%.
Citizens Pension Plan-10,085$225,327,485--
Citizens 401K Plan-12,617$165,518,663$22,194,341$1,759iApproximate average salary by contribution assumption: employee only about $43,977 at 4% or $29,318 at 6%; with 50% employer match about $29,318 at 4% or $19,545 at 6%; with 100% employer match about $21,989 at 4% or $14,659 at 6%.
Cfg Health Plans-7,725---
2000107,709$415,400,526$21,720,902$2,818iApproximate average salary by contribution assumption: employee only about $70,440 at 4% or $46,960 at 6%; with 50% employer match about $46,960 at 4% or $31,307 at 6%; with 100% employer match about $35,220 at 4% or $23,480 at 6%.
Citizens Pension Plan-5,546$243,003,305--
Citizens 401K Plan-7,709$172,397,221$21,720,902$2,818iApproximate average salary by contribution assumption: employee only about $70,440 at 4% or $46,960 at 6%; with 50% employer match about $46,960 at 4% or $31,307 at 6%; with 100% employer match about $35,220 at 4% or $23,480 at 6%.
Ust Health Benefit Plan-0---
Ust Corp. Long Term Disability Plan-1,353---
Ust Corp. Travel Accident-1,974---
Ustrust Group Dental Benefit Plan-1,157---
Ustrust Health Plan-1,435---
Cfg Health Plans-6,636---
Ust Corp Group Life Insurance-0---
The Federal Savings Bank Employees Stock Ownership Plan-0---
1999310,691$361,259,666$14,424,171$1,349iApproximate average salary by contribution assumption: employee only about $33,730 at 4% or $22,486 at 6%; with 50% employer match about $22,486 at 4% or $14,991 at 6%; with 100% employer match about $16,865 at 4% or $11,243 at 6%.
Citizens Pension Plan-4,587$215,499,833--
Citizens 401K Plan-10,691$140,789,284$14,174,172$1,326iApproximate average salary by contribution assumption: employee only about $33,145 at 4% or $22,097 at 6%; with 50% employer match about $22,097 at 4% or $14,731 at 6%; with 100% employer match about $16,573 at 4% or $11,048 at 6%.
The Federal Savings Bank Employees Stock Ownership Plan-47$4,970,549$249,999$5,319iApproximate average salary by contribution assumption: employee only about $132,978 at 4% or $88,652 at 6%; with 50% employer match about $88,652 at 4% or $59,101 at 6%; with 100% employer match about $66,489 at 4% or $44,326 at 6%.