Back to filter
Original filing (PDF)20250721094332NAL0000559907001
RBC USA HOLDCO CORPORATION
Form 5500
FILING_RECEIVED
RBC- U.S.A. RETIREMENT AND SAVINGS PLAN
401(k) retirement plan
Active participants
10,111
Accounts w/ balance
14,265
Plan assets (EOY)
$4.3B
Net assets (EOY)
$4.3B
How this plan invests
This plan
18 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Participation health
100
Helping the score
- Below-peer total fees (1 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RBC USA HOLDCO CORPORATION.
Plan sponsor
Name
RBC USA HOLDCO CORPORATION
EIN
20-0563684
Address
250 NICOLLET MALL · FLOOR 16 · MINNEAPOLIS, MN · 55401
Phone
(612) 371-7233
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-21
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
OLSEN THIELEN & CO., LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $329K | — |
Investments
11 direct securities · 18 pooled funds· $4.5B(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$3.0B
18 holdings
Uncategorized
$1.5B
11 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SP 500 INDEX PL CL D GEODE CAPITAL MANAGEMENT TRUST · EIN 82-6293122 / PN 001 | Common Collective Trust | — | — | $758.0M | 17.6% | |
| TRP GROWTH STOCK E T ROWE PRICE TRUST COMPANY · EIN 52-6559833 / PN 013 | Common Collective Trust | — | — | $565.1M | 13.1% | |
| Royal Bank of Canada Common Stock (cost $228,596,991) | — | — | $228.6M | $427.1M | 9.9% | |
| American Funds Washington Mutual Inv R6 AF Washington Mutual Investors R6 | — | — | — | $235.8M | 5.5% | |
| Fidelity Management Trust Co. Fidelity BrokerageLink | — | — | — | $210.2M | 4.9% | |
| Fidelity Management Trust Co. Fidelity Managed Income Portfolio II | — | — | — | $184.2M | 4.3% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Mid Cap Growth | — | — | — | $174.1M | 4.1% | |
| MIP II CL 3 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 025 | Common Collective Trust | — | — | $173.6M | 4.0% | |
| SP EXT MKT IDX CL D GEODE CAPITAL MANAGEMENT TRUST · EIN 82-6293122 / PN 010 | Common Collective Trust | — | — | $172.3M | 4.0% | |
| Capital Research & Management Company American Euro-Pacific Growth Fund | — | — | — | $152.5M | 3.5% | |
| JPMCB SR PB 2035 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165348 / PN 001 | Common Collective Trust | — | — | $151.5M | 3.5% | |
| JPMCB SR PB 2040 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165392 / PN 001 | Common Collective Trust | — | — | $142.4M | 3.3% | |
| JPMCB SR PB 2030 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165198 / PN 001 | Common Collective Trust | — | — | $139.4M | 3.2% | |
| JPMCB SR PB 2045 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165449 / PN 001 | Common Collective Trust | — | — | $124.6M | 2.9% | |
| AB SMALL CAP VALUE 2 GREAT GRAY TRUST COMPANY, LLC · EIN 27-6334452 / PN 003 | Common Collective Trust | — | — | $122.2M | 2.8% | |
| JPMCB SR PB 2050 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165477 / PN 001 | Common Collective Trust | — | — | $114.1M | 2.7% | |
| MFS MID CAP VALUE 4 MFS HERITAGE TRUST COMPANY · EIN 57-1187281 / PN 024 | Common Collective Trust | — | — | $107.7M | 2.5% | |
| Fidelity Management Trust Co. Fidelity US Bond Index Fund | — | — | — | $88.5M | 2.1% | |
| JPMCB SR PB 2025 CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1165154 / PN 001 | Common Collective Trust | — | — | $86.0M | 2.0% | |
| JPMCB SR PB 2055 CFA JPMORGAN CHASE BANK, N.A. · EIN 45-5590883 / PN 001 | Common Collective Trust | — | — | $80.6M | 1.9% | |
| JPMCB SR PB 2060 CFA JPMORGAN CHASE BANK, N.A. · EIN 81-3239155 / PN 001 | Common Collective Trust | — | — | $74.8M | 1.7% | |
| JPMCB SR PB INC CFA JP MORGAN CHASE BANK, N.A. · EIN 26-1164871 / PN 001 | Common Collective Trust | — | — | $74.0M | 1.7% | |
| SP GLB EXUS IDX CL D GEODE CAPITAL MANAGEMENT, LLC · EIN 82-6293122 / PN 005 | Common Collective Trust | — | — | $40.2M | 0.9% | |
| Metropolitan West Asset Management, LLC Metwest Total Return Bond P | — | — | — | $34.2M | 0.8% | |
| METWEST TOT RTN BD D SEI TRUST COMPANY · EIN 26-3015340 / PN 030 | Common Collective Trust | — | — | $34.2M | 0.8% | |
| Participant loans Interest rates of 4.25% to 9.5% due at various | — | — | — | $24.0M | 0.6% | |
| (American Depositary Receipt) Fidelity Institutional Cash Money Market Fund | — | — | — | $7.8M | 0.2% | |
| American Beacon Advisors, Inc. American Beacon Global Bond Adv | — | — | — | $6.5M | 0.2% | |
| JPMCB SR PB 2065 CFA JP MORGAN CHASE BANK, N.A. · EIN 92-0285683 / PN 001 | Common Collective Trust | — | — | $4.3M | 0.1% |