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CITIGROUP INC.

CITI RETIREMENT SAVINGS PLAN

401(k)2025EIN 521568099PN 004form_5500
Filed Aug 5, 2026
Original filing
End-of-year assets

$26,894,921,190

Net assets $26,885,526,811

Active participants

70,419

115,785 participant accounts

Service providers

30

19 service categories

Fidelity bond

$300,000,000

Bond reported

Plan & sponsor record
Plan name
CITI RETIREMENT SAVINGS PLAN
Effective date
Jan 1, 1987
Sponsor
CITIGROUP INC.
Business code
523900
Administrator
PLANS ADMIN COMM OF CITIGROUP INC.
Administrator EIN
521568099
Address
750 WASHINGTON BLVD 7TH FLOOR · STAMFORD, CT, 06901
Annual plan activity
Beginning assets$23,241,033,081
Ending assets$26,894,921,190
Employer contributions$514,711,508
Participant contributions$886,372,090
Total income$5,653,758,373
Benefits paid$1,979,910,915
Administrative expenses$18,445,583
Net income$3,655,316,027
Schedule C
Service providers
30
ProviderServicesLocationDirect compensation
BLACKROCK INSTITUTIONAL TRUST CO,NAEIN 943112180
  • 21Trustee (bank, trust company, or similar financial institution)
  • 24Trustee (discretionary)
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
—$3,899,608
ALIGHT SOLUTIONS LLCEIN 821061233
  • 15Recordkeeping and information management
  • 50Direct payment from the plan
—$3,137,383
BANK OF NEW YORK MELLONEIN 135160382
  • 18Custodial (other than securities)
  • 21Trustee (bank, trust company, or similar financial institution)
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 99Other fees
—$928,884
WCM INVESTMENT MANAGEMENT, LLCEIN 953046237
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 68Soft dollars commissions
—$865,250
T ROWE PRICE ASSOCIATES, INC.EIN 520556948
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 68Soft dollars commissions
—$843,728
MFS INSTITUTIONAL ADVISORSEIN 043247425
  • 28Investment management
  • 50Direct payment from the plan
—$798,944
LAZARD ASSET MANAGEMENT LLCEIN —
  • 26Investment advisory (participants)
  • 50Direct payment from the plan
  • 55Other commissions
  • 63Distribution (12b-1) fees
  • 68Soft dollars commissions
  • 71Securities brokerage commissions and fees
NEW YORK, NY$751,297
WILLIAM BLAIR INVESTMENT MGMT, LLCEIN 472614791
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 68Soft dollars commissions
—$503,182
MELLON INVESTMENTS CORPORATIONEIN —
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
BOSTON, MA$463,747
PRINCIPAL SMALL CAP SELECTEIN —
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
DES MOINES, IA$455,203
ACADIAN ASSET MANAGEMENT LLCEIN —
  • 28Investment management
  • 50Direct payment from the plan
BOSTON, MA$430,846
INSIGHT INVESTMENTSEIN —
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
NEW YORK, NY$389,044
KPMGEIN 135565207
  • 10Accounting (including auditing)
  • 50Direct payment from the plan
—$324,400
BOSTON PARTNERSEIN —
  • 28Investment management
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 71Securities brokerage commissions and fees
NEW YORK, NY$311,134
HEITMAN LLCEIN 364263867
  • 27Investment advisory (plan)
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
  • 68Soft dollars commissions
—$251,776
CALLAN HOLDINGS' INC.EIN 822748926
  • 27Investment advisory (plan)
  • 50Direct payment from the plan
  • 51Investment management fees paid directly by plan
—$139,699
BSREIN 980479865
  • 49Other services
  • 50Direct payment from the plan
—$76,038
FIDUCIARY COUNSELORSEIN 223709903
  • 16Consulting (general)
  • 50Direct payment from the plan
—$59,871
WILLIS TOWERS WATSONEIN 530181291
  • 17Consulting (pension)
  • 50Direct payment from the plan
—$52,886
PROSKAUER ROSE LLPEIN 131840454
  • 29Legal
  • 50Direct payment from the plan
—$25,195
MERCEREIN 046691601
  • 16Consulting (general)
  • 50Direct payment from the plan
—$24,946
MORGAN, LEWIS AND BOCKIUS LLPEIN 230891050
  • 29Legal
  • 50Direct payment from the plan
—$20,067
ALIGHT FINANCIAL SOLUTIONS, LLCEIN 821061233
———
DIMENSIONAL FUND ADVISORS LPEIN 300447847
———
FIDELITY MANAGEMENT & RESEARCH CO.EIN 042033129
———
PGIM INVESTMENTSEIN 223468527
———
PIMCOEIN 330629048
———
SCHRODER INVESTMENT MANAGEMENTEIN 134064414
———
SEI TRUST COMPANYEIN 061271230
———
LOOMIS SAYLES & COMPANY L.P.EIN 043200030
———
Schedule D
DFE & pooled interests
27
EntityEntity codeEIN / planEOY interest
BLACKROCK EQUITY INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943262720 / 001$7,072,184,549
BLACKROCK RUSSELL 3000 INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943371912 / 001$1,871,320,705
EAFE EQUITY INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943358162 / 001$1,654,275,766
BLACKROCK US DEBT INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943291425 / 001$1,520,499,649
MID CAPITALIZATION EQUITY INDEX FDBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943272818 / 001$1,190,227,808
BLACKROCK LIFEPATH INDEX 2045 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C205115008 / 001$1,109,387,948
BLACKROCK LIFEPATH INDEX 2050 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C260896020 / 001$913,483,909
BLACKROCK LIFEPATH INDEX 2040 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C710986419 / 001$853,899,949
BLACKROCK LIFEPATH INDEX 2035 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C205114956 / 001$776,011,197
BLACKROCK LIFEPATH INDEX RET FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C710986421 / 001$740,142,015
BLACKROCK LIFEPATH INDEX 2055 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C272470604 / 001$727,491,365
BLCKRK EMERG MKTS INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C454544245 / 001$690,378,109
BLACKROCK RUSSELL 2000 INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943318704 / 001$642,192,543
BLACKROCK LIFEPATH INDEX 2030 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C710986424 / 001$608,621,878
BLACKROCK RUSSELL 1000 GROWTH FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943330725 / 001$452,683,591
US TRSRY INFLATION PRO SEC FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C364495972 / 001$368,271,684
BLACKROCK LIFEPATH INDEX 2060 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C471878775 / 001$329,893,357
BLACKROCK RUSSELL 1000 VALUE FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C943330726 / 001$138,676,749
SCHRODER COLLECTIVE INVESTMNT TRUSTSEI TRUST COMPANY
C464679164 / 072$136,583,973
COLLECTIVE TRUST GVT SHORT TRM INVTHE BANK OF NEW YORK MELLON
C816243181 / 001$92,339,331
ROLL SELECT COMMODITY INDEX FUND FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C824114243 / 001$87,562,746
BLCKRK MSCI ACWI ESG FOCUS INDEX FDBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C831496408 / 001$66,400,925
0-5 YEAR U.S. TRSRY INFLTN PR SECURBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C473988722 / 001$57,569,642
FIDELITY FIAM CONCENTRATED EMER MKTFIDELITY INSTITUTIONAL ASSET MANAGEMENT TRUST COMPANY
C204659714 / 032$44,705,868
LS CIT CORE PLUS FIXED INCOMELOOMIS SAYLES
C846391546 / 010$32,595,068
FIAM GROUP TRUST FOR EE BFT PLAS COFIDELITY INSTITUTIONAL ASSET MANAGEMENT TRUST COMPANY
C204659714 / 052$32,588,506
BLACKROCK LIFEPATH INDEX 2065 FD FBLACKROCK INSITUTIONAL TRUST COMPANY, NA
C841770109 / 001$26,247,174