Plan Snapshot
- Plan Sponsor: R.F. Macdonald Company
- Sponsor EIN: 941562199
- Sponsor Address: 25920 EDEN LANDING ROAD, HAYWARD, CA, 94545
- Plan Type: 401(k)
- Total Participants: 271
- Total Assets: $49.2M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 271 | $49.2M | $1.9M | $2.9M |
| 2023 | 254 | $42.4M | $1.8M | $2.6M |
| 2022 | 249 | $37.4M | $833,918 | $2.4M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| NEWPORT GROUP, INC. | RECORDKEEPER | $45,757 | — | $45,757 |
| MERRILL LYNCH RETIREMENT & BENEFIT | ADVISOR | $24,010 | — | $24,010 |
| CBIZ CPAS P. C. | Auditor | — | — | $0 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $69,767
- Estimated Expense Ratio: 0.142% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $66,822 | $24,010 | $42,812 | — | — |
| 2023 | $67,918 | — | $67,918 | — | — |
| 2022 | $81,828 | $42,214 | $20,683 | — | $18,931 |