RBC USA Holdco 401(k) match, vesting and fees
What RBC USA Holdco's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Olsen Thielen & Co., Ltd (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 104 defined-contribution plans in finance and insurance with 10,000 to 49,999 participants.
| RBC USA Holdco: employer contribution per participant | $4,990 | |
| Peer median | $3,632 |
| RBC USA Holdco: average balance | $301,336 | |
| Peer median | $158,797 |
| RBC USA Holdco: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.04% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $3.7B at the end of plan year 2023 to $4.3B at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 14,686 | $4.3B | $71.2M | $4,990 | <0.01% | Not published | Form 5500 ↗ |
| 2023 | 15,250 | $3.7B | $65M | $4,530 | 0.01% | Not published | Form 5500 ↗ |
Common questions
Does RBC USA Holdco match 401(k) contributions?
The match terms for the Rbc- U.S.A. Retirement and Savings Plan have not been published from its filing yet. The plan year 2024 filing reports $71.2M in employer contributions, about $4,990 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the RBC USA Holdco 401(k) match vested?
The vesting schedule for the Rbc- U.S.A. Retirement and Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the RBC USA Holdco 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is Rbc USA Holdco Corporation.
I left RBC USA Holdco. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Rbc USA Holdco Corporation, (612) 371-7233) or the recordkeeper, Fidelity Investments Institutional. The RBC USA Holdco old 401(k) page lists the contacts from every plan filing. Find an old RBC USA Holdco 401(k)
Data from the public Form 5500 annual reports RBC USA Holdco filed with the U.S. Department of Labor (plan years 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with RBC USA Holdco. Not financial advice. Report a correction · Methodology