Recordkeeping fees per participant
not reported
Not reported on this filing.
Employers › Citizens & Northern
Citizens & Northern 401(k)
- CZNC Nasdaq
- Finance and insurance
- Wellsboro, PA
- EIN 23-2451943
- 1 plan with Schedule H financials
- Plan year 2024
- Citizens & Northern Corporation
- SEC registrant Citizens & Northern Corp
Filed as negative.Schedule H line 2i(12) is reported as -$769. The filing is shown as received; the derived figures below treat a negative amount as zero, and a percentile is only shown for positive values.
Total assets, end of year · Citizens & Northern Corporation Savings & Retirement Plan · plan year 2024
$75,285,071
550 participants with a balance. This filing reports no recordkeeping fee and no administrative expenses excluding investment management, so there is no headline cost figure.
Source
Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015100037NAL0004245521001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015100037NAL0004245521001, received 2025-10-15
Percentiles compare this plan with the Schedule H plans $50 to 250M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-10-15.
Cost and contributions
Administrative expenses excluding investment management, per participant
$0.00
Fewer than 50 comparable plans report this figure; no percentile.
Source
= $0 / 550
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015100037NAL0004245521001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015100037NAL0004245521001, received 2025-10-15
Administrative expenses per participant
filed as negative
Filed as a negative amount; no comparison.
Administrative expenses as a share of assets
filed as negative
Filed as a negative amount; no comparison.
Employer contributions per participant
$2,735
Higher than 50% of the 9,105 plans $50 to 250M that report it.
Source
= $1,504,250 / 550
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015100037NAL0004245521001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015100037NAL0004245521001, received 2025-10-15
Employer share of total contributions
26.6%
Higher than 40% of the 9,112 plans $50 to 250M that report it.
Source
= $1,504,250 / $5,658,444
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015100037NAL0004245521001, received 2025-10-15
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015100037NAL0004245521001, received 2025-10-15
Plan terms, as stated in Citizens & Northern Corporation's SEC filings
Plan terms are described in Citizens & Northern Corporation's SEC filings: Form 10-K filed 2026-03-06. No term could be quoted from them with the required precision.
Plan features
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2T default investment (QDIA) · 3D IRS pre-approved plan · 3H controlled-group sponsor · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251015100037NAL0004245521001, received 2025-10-15
Full record, Citizens & Northern Corporation Savings & Retirement Plan
| Field | Value | Source |
|---|---|---|
| Plan sponsor | CITIZENS & NORTHERN CORPORATION | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Plan name | CITIZENS & NORTHERN CORPORATION SAVINGS & RETIREMENT PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Sponsor EIN / plan number | 23-2451943 / 002 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Sponsor location | WELLSBORO, PA | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Industry (business code) | 522110, Finance and insurance | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Filing received | 2025-10-15 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Participants, beginning of year | 598 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Active participants | 388 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Participants, end of year | 563 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Participants with an account balance | 550 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total assets, beginning of year | $66,407,513 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total assets, end of year | $75,285,071 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Net assets, end of year | $75,285,071 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total income | $12,867,062 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Net income | $8,869,860 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Employer contributions | $1,504,250 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Participant contributions | $2,638,073 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Other contributions (incl. rollovers) | $1,516,121 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total contributions | $5,658,444 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Benefit payments | $3,997,971 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total expenses (incl. benefit payments) | $3,997,202 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Total administrative expenses | -$769 (filed as negative) | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Contract administrator fees | $-769 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Administrative expenses excluding investment management | $0 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Held in common/collective trusts | $2,654,369 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Held in mutual funds | $70,825,644 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251015100037NAL0004245521001, received 2025-10-15 |
| Independent auditor | BAKER TILLY US | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251015100037NAL0004245521001, received 2025-10-15 |
Position = column in the DOL layout for form year 2024. Filing 20251015100037NAL0004245521001, received 2025-10-15.
Service providers paid directly by the plan
No Schedule C line 2 providers are listed on this filing.
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20251015100037NAL0004245521001, received 2025-10-15.
What changed since the 2023 plan year
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $66,407,513 | $75,285,071 | 13.4% |
| Participants with a balance | 582 | 550 | -5.5% |
| Administrative expenses | $447 | $-769 | -272.0% |
| Recordkeeping fees per participant | not reported | not reported | |
| Employer contributions | $1,470,074 | $1,504,250 | 2.3% |
Prior filing 20241015145459NAL0048505552001, received 2024-10-15; the plan years are contiguous.
Alerts, claims and corrections
Sponsor name as filed: CITIZENS & NORTHERN CORPORATION; SEC registrant: CITIZENS & NORTHERN CORP (CIK 810958, matched by EIN; display name from the Form 10-K cover).