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Original filing (PDF)20251009130802NAL0011007232001
RCAP SOLUTIONS, INC.
Form 5500
FILING_RECEIVED
403(B) THRIFT PLAN FOR RCAP SOLUTIONS, INC.
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
127
Accounts w/ balance
135
Plan assets (EOY)
$6.6M
Net assets (EOY)
$6.6M
How this plan invests
This plan
1 pooled trust
Schedule D
45 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (18 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RCAP SOLUTIONS, INC..
Plan sponsor
Name
RCAP SOLUTIONS, INC.
EIN
04-2454675
Address
191 MAY ST. · WORCESTER, MA · 01602
Phone
(978) 630-6647
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LEONE MCDONNELL & ROBERTS P.A.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CPI QUALIFIED PLAN CONSULTANTS, INC | 48-1205033 | — | NONE | $12K | — |
Investments
44 direct securities · 1 pooled fund· $6.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$6.5M
44 holdings
Pooled Separate Account
$326K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Matrix Trust Company CUNA Mutual Group Guaranteed Account n/a | — | — | — | $1.5M | 22.7% | |
| Matrix Trust Company Nuveen Lifecycle Index 2035 Fund n/a | — | — | — | $654K | 9.9% | |
| Matrix Trust Company American Balanced Fund n/a | — | — | — | $519K | 7.8% | |
| Matrix Trust Company Nuveen Lifecycle Index 2045 Fund n/a | — | — | — | $476K | 7.2% | |
| Matrix Trust Company Nuveen Lifecycle Index 2050 Fund n/a | — | — | — | $411K | 6.2% | |
| Matrix Trust Company Nuveen Lifecycle Index 2025 Fund n/a | — | — | — | $373K | 5.6% | |
| SEPARATE ACCOUNT NUMBER ES2 MUTUAL OF AMERICA · EIN 13-1614399 / PN 000 | Pooled Separate Account | — | — | $326K | 4.9% | |
| Matrix Trust Company Nuveen Lifecycle Index 2040 Fund n/a | — | — | — | $275K | 4.1% | |
| Matrix Trust Company TIAA-CREF Lifecycle Index 2060 n/a | — | — | — | $271K | 4.1% | |
| Matrix Trust Company Nuveen Lifecycle Index 2020 Fund n/a | — | — | — | $226K | 3.4% | |
| Matrix Trust Company TIAA-CREF Large Cap Growth Index n/a | — | — | — | $209K | 3.1% | |
| Mutual of America Life Insurance Company DWS Capital Growth VIP Total n/a 479 * Mutual of America Life Insurance Company Fidelity VIP Asset Manager Portfolio n/a 126 Interest rates ranging from 5.25% to 10.50% with the -0- | — | — | — | $155K | 2.3% | |
| Matrix Trust Company Vanguard Mid Cap Growth Index Admiral n/a | — | — | — | $155K | 2.3% | |
| Matrix Trust Company Nuveen Lifecycle Index 2055 Fund n/a | — | — | — | $118K | 1.8% | |
| Matrix Trust Company Vanguard 500 Index Fund n/a | — | — | — | $112K | 1.7% | |
| Matrix Trust Company Pimco Income Fund n/a | — | — | — | $106K | 1.6% | |
| Mutual of America Life Insurance Company Mutual of America Interest Accumulation Account n/a | — | — | — | $89K | 1.3% | |
| Matrix Trust Company Vanguard Lifestrategy Growth Fund n/a | — | — | — | $85K | 1.3% | |
| Matrix Trust Company Fidelity Advisor Total Bond Fund n/a | — | — | — | $85K | 1.3% | |
| Matrix Trust Company Nuveen Lifecycle Index 2030 Fund n/a | — | — | — | $85K | 1.3% | |
| Matrix Trust Company DFA Real Estate Securities n/a | — | — | — | $70K | 1.0% | |
| Matrix Trust Company Nuveen International Equity Index n/a | — | — | — | $65K | 1.0% | |
| Mutual of America Life Insurance Company Calvert VP SRI Balanced Portfolio n/a | — | — | — | $64K | 1.0% | |
| Matrix Trust Company Nuveen Lifecycle Index Retirement n/a | — | — | — | $50K | 0.8% | |
| Mutual of America Life Insurance Company Mutual of America Equity Index Fund n/a | — | — | — | $47K | 0.7% | |
| Mutual of America Life Insurance Company Fidelity VIP Contrafund Portfolio n/a | — | — | — | $44K | 0.7% | |
| Matrix Trust Company Vanguard Equity Income Fund Admiral Shares n/a | — | — | — | $40K | 0.6% | |
| Mutual of America Life Insurance Company Mutual of America Composite Fund n/a | — | — | — | $29K | 0.4% | |
| Matrix Trust Company Vanguard Mid Cap Value Index Fund n/a | — | — | — | $23K | 0.4% | |
| Mutual of America Life Insurance Company Vanguard VIF Diversified Value Portfolio n/a | — | — | — | $23K | 0.4% | |
| Matrix Trust Company Vanguard Wellesley Income n/a | — | — | — | $21K | 0.3% | |
| Mutual of America Life Insurance Company Mutual of America All America Fund n/a | — | — | — | $21K | 0.3% | |
| Mutual of America Life Insurance Company Fidelity VIP Equity Income Portfolio n/a | — | — | — | $21K | 0.3% | |
| Mutual of America Life Insurance Company Mutual of America 2035 Retirement Fund n/a | — | — | — | $16K | 0.2% | |
| Mutual of America Life Insurance Company Mutual of America 2030 Retirement Fund n/a | — | — | — | $14K | 0.2% | |
| Matrix Trust Company Fidelity Small Cap Growth Fund n/a | — | — | — | $14K | 0.2% | |
| Mutual of America Life Insurance Company Fidelity VIP Mid Cap Portfolio n/a | — | — | — | $11K | 0.2% | |
| Mutual of America Life Insurance Company Mutual of America Small Cap Growth Fund n/a | — | — | — | $9K | 0.1% | |
| Mutual of America Life Insurance Company Mutual of America 2045 Retirement Fund n/a | — | — | — | $9K | 0.1% | |
| Mutual of America Life Insurance Company Vanguard VIF International Portfolio n/a | — | — | — | $7K | 0.1% | |
| Mutual of America Life Insurance Company American Century VP Capital Appreciation Fund n/a | — | — | — | $4K | <0.1% | |
| Mutual of America Life Insurance Company Mutual of America Bond Fund n/a | — | — | — | $2K | <0.1% | |
| Mutual of America Life Insurance Company Mutual of America 2040 Retirement Fund n/a | — | — | — | $2K | <0.1% | |
| Mutual of America Life Insurance Company Mutual of America Moderate Allocation Fund n/a | — | — | — | $2K | <0.1% | |
| Mutual of America Life Insurance Company Delaware VIP Small Cap Value Series n/a | — | — | — | $1K | <0.1% |
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