# R.F. Macdonald Company 401(k) Plan
Source: https://planprovider.pro/companies/r-f-macdonald-company-401k-plan

> R.F. Macdonald Company's 401(k) plan: 271 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## 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|

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