Customized solutions for your employees!

As you strive for your business success, a goal to attract and retain quality employees is one that Citizens Bank & Trust can help meet! You’ll have customized solutions for building the right retirement options for a benefits package that will earn commitment from current and prospective employees!


Employee Benefits

Customize the level of service you need to maintain your employee benefits program.

Record Keeping

  • Create and maintain plan legal documents
  • Project eligibility
  • Create annual and quarterly reports
  • Create and file annual tax returns

Plan Custodian

  • Enroll employees according to their plan choices
  • Process contributions and loan payments
  • Pay distributions and loans

Investment Advisor

  • Select and monitor current investment options
  • Educate employees regarding their investment options

401(k) Plan

One of the most popular retirement benefits, 401(k) plans allow employees to save pre-tax for retirement and the employer to make contributions if they choose. Our menu of mutual funds and model portfolios provides diversified growth opportunities for plan participants.

Profit Sharing Plan

Profit sharing plans can broaden the retirement benefit programs and be designed to provide substantial pre-tax benefits for all participants including owner-employees.

125 Cafeteria Plan/Flexible Spending Plan

Cafeteria Plans, also known as Section 125 plans and Flexible Spending Plans, are available to assist employees in meeting certain day-to-day expenses. Employers and employees benefit from the tax savings on amounts set aside for health insurance premiums, out-of-pocket medical expenses, and dependent care expenses.

Citizens Bank & Trust Wealth Management Services are • Not FDIC insured • May go down in value • Not Financial Institution guaranteed • Not a deposit • Not insured by any government agency

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