Department of Labor filing

R.F. MACDONALD COMPANY

R.F. MACDONALD COMPANY 401(K) RETIREMENT SAVINGS PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Jul 21, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

83filing comparison
out of 100

The filing signals stronger employer support and/or lower plan-paid administrative costs than many comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$7,002

Reported employer contributions per active participant.

Higher than about 97% of comparable plans

#People in the filing

271

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$195 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 50% of comparable plans

↗Investment performance

Not available

Plan assets changed 16.0%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202483out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions97th percentileTypical peer $2,059 · based on 1,266 comparable plans

Lower reported administrative expense50th percentileTypical peer $195 · based on 1,288 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, R.F. MACDONALD COMPANY reported $1,897,677 in employer contributions across the plan and 271 active participants. That works out to $7,002 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy77%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 109.1%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 22.6%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context83/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $1,897,677
Participant contributions: $2,941,697
Other contributions: $61,716
Employer share of reported contributions: 39.2%
Beginning assets: $42,435,591
Ending assets: $49,219,871
Ending net assets: $49,219,871
Ending liabilities: $0
Total income: $9,580,905
Total expenses: $2,796,625
Administrative expenses: $66,822
Participant loans: $745,829

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$3,349

2023

$7,060

2024

$7,002

Plan-paid administrative expenses per participant

2022

$252

2023

$206

2024

$195

Active participants

2022

249

2023

254

2024

271

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$7,002	271	49.2M	20250721164258NAL0001784097001
2023	$7,060	254	42.4M	20240730150602NAL0045860786001
2022	$3,349	249	37.4M	20230731155832NAL0009215923001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.5%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 941562199-002

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1992
Industry: Wholesale trade
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D3H

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
MERRILL LYNCH	2024	Not reported	unknown

Current plan terms

Help fill the gap the filing leaves.

If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.

Share a document →

Filing ACK_ID20250721164258NAL0001784097001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗