Employer · plans filed under one EIN
Citigroup Inc.
Stamford, CT · Finance and insurance
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
Citigroup Inc., based in Stamford, Connecticut, sponsors 2 retirement plans with 100 or more participants: 1 defined contribution and 1 defined benefit. Together they reported 237,254 participant records and $36.7B in net assets.
The largest is The Citigroup Pension Plan, a cash balance pension plan with 119,922 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $515M and participant contributions $886M in the latest plan years; benefits paid were $2.84B. Schedule C compensation reported to service provider organisations totalled $78.9M.
Combined net assets moved from $17.8B in 2009 to $26.9B in 2025 (up 51%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| The Citigroup Pension Plan | cash balance pension plan | 2024 | 119,922 | $9.84B | $82,064 | — | $64.2M |
| Citi Retirement Savings Plan | ESOP with a 401(k) feature | 2025 | 117,332 | $26.9B | $229,141 | $7,309 | $14.7M |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2025 | 1 | 117,332 | $26.9B | $515M | $886M |
| 2024 | 2 | 241,201 | $33.1B | $584M | $879M |
| 2023 | 2 | 250,775 | $31.0B | $541M | $857M |
| 2022 | 2 | 255,405 | $27.8B | $469M | $740M |
| 2021 | 2 | 253,914 | $33.6B | $435M | $642M |
| 2020 | 2 | 255,329 | $31.5B | $413M | $580M |
| 2019 | 2 | 261,438 | $29.1B | $403M | $553M |
| 2018 | 2 | 272,584 | $25.4B | $820M | $536M |
| 2017 | 2 | 280,230 | $27.3B | $527M | $504M |
| 2016 | 2 | 323,710 | $24.9B | $420M | $482M |
| 2015 | 2 | 338,421 | $24.2B | $704M | $483M |
| 2014 | 2 | 365,998 | $24.9B | $454M | $471M |
| 2013 | 2 | 352,844 | $23.9B | $579M | $392M |
| 2012 | 2 | 360,400 | $22.2B | $382M | $479M |
| 2011 | 2 | 374,757 | $20.4B | $372M | $470M |
| 2010 | 2 | 384,788 | $20.2B | $1.29B | $445M |
| 2009 | 2 | 399,567 | $17.8B | $464M | $541M |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| Willis Towers Watson | Actuarial | 1 | $9,004,594 |
| BlackRock Institutional Trust Co., | Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management | 2 | $5,590,958 |
| Citigroup | Consulting (general); Investment management | 1 | $5,499,212 |
| KKR & Co. L.P | Investment management | 1 | $4,425,258 |
| Ik Partners | Investment management | 1 | $4,096,535 |
| Alight Solutions LLC | Recordkeeping and information management | 1 | $3,137,383 |
| Bank of New York Mellon | Recordkeeping and information management; Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management | 2 | $2,498,452 |
| Woodline Partners LP | — | 1 | $2,445,447 |
| Sixth Cinven Fund LP | Investment management | 1 | $2,147,789 |
| Gso Energy Market Opportunities Fun | Investment management | 1 | $1,833,070 |
| Pentwater Capital Management LP | Investment management | 1 | $1,795,718 |
| Benson Elliot Capital MGMT LLP | Investment management | 1 | $1,788,056 |
| Western Asset Management Co., LLC | Investment management | 1 | $1,436,845 |
| WCM Investment Management, LLC | Investment management | 1 | $865,250 |
| T Rowe Price Associates, Inc. | Investment management | 1 | $843,728 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does Citigroup Inc. have?
2 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: The Citigroup Pension Plan and Citi Retirement Savings Plan. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does Citigroup Inc. contribute to its plans?
$514,711,508 in employer contributions across these plans in their latest plan years, about $6,081 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name Willis Towers Watson, BlackRock Institutional Trust Co.,, Citigroup and KKR & Co. L.P and others. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.