Department of Labor filing

CITIZENS, INC.

CITIZENS, INC. 401(K) RETIREMENT AND PROFIT SHARING PLAN · For the plan year ended Dec 31, 2024

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Public filing 2024 · received Oct 6, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

50filing comparison
out of 100

The filing looks broadly typical among comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$3,151

Reported employer contributions per active participant.

Higher than about 47% of comparable plans

#People in the filing

230

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$138 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 56% of comparable plans

↗Investment performance

Not available

Plan assets changed 22.6%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202450out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions47th percentileTypical peer $3,340 · based on 500 comparable plans

Lower reported administrative expense56th percentileTypical peer $164 · based on 494 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, CITIZENS, INC. reported $724,695 in employer contributions across the plan and 230 active participants. That works out to $3,151 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy78%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 16.0%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 16.5%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context50/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $724,695
Participant contributions: $1,414,448
Other contributions: $2,088,815
Employer share of reported contributions: 33.9%
Beginning assets: $13,127,442
Ending assets: $16,089,988
Ending net assets: $16,089,988
Ending liabilities: $0
Total income: $5,734,878
Total expenses: $2,772,332
Administrative expenses: $44,557
Participant loans: $315,721

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,717

2023

$3,143

2024

$3,151

Plan-paid administrative expenses per participant

2022

$118

2023

$128

2024

$138

Active participants

2022

206

2023

220

2024

230

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$3,151	230	16.1M	20251006140507NAL0003510433001
2023	$3,143	220	13.1M	20241007105228NAL0027262896001
2022	$2,717	206	10.2M	20231013114511NAL0066875186001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 2.0%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 840755371-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1978
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2A2E3H3D2F2G2J2K2S2T

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
STANCORP FINANCIAL GROUP	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20251006140507NAL0003510433001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗