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Original filing (PDF)20250509132749NAL0008712323001
RPCS, INC.
Form 5500
FILING_RECEIVED
RPCS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~112 bps in Sched C fees
Active participants
933
Accounts w/ balance
166
Plan assets (EOY)
$4.5M
Net assets (EOY)
$4.5M
How this plan invests
This plan
26 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Vendor stack
100
Participation health
65
Knocking points off
- 112 bps in Schedule C fees — 115% above peer band of 52 bps.
- Only 18% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RPCS, INC..
Plan sponsor
Name
RPCS, INC.
EIN
20-1751783
Address
1878 S STATE HWY 125 · ROGERSVILLE, MO · 65742
Phone
(417) 829-9228
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-05-09
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA FINANCIAL LIFE INS. CO | 36-6071399 | — | RECORDKEEPER | $37K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH LIFE AGENCY, INC. | 13-2808480 | — | INVESTMENT ADVISORY-PLAN | $13K | — |
Investments
4 direct securities · 26 pooled funds· $5.4M(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.
Pooled Separate Account
$4.5M
26 holdings
Uncategorized
$906K
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Transamerica Financial Life Insurance Company American Funds Washington Mutual Investors Ret Acct | — | — | — | $787K | 17.4% | |
| AMERICAN FDS WASHINGTON MTL INVS TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 231 | Pooled Separate Account | — | — | $787K | 17.4% | |
| AMERICAN FDS NEW PERSPECTIVE ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 255 | Pooled Separate Account | — | — | $594K | 13.1% | |
| BLACKROCK MID-CAP GR EQ RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 098 | Pooled Separate Account | — | — | $513K | 11.3% | |
| MFS MASSACHUSETTS INVS GR STOCK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 663 | Pooled Separate Account | — | — | $396K | 8.7% | |
| FEDERATED HERMES MDT SM CP CORE TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 086 | Pooled Separate Account | — | — | $385K | 8.5% | |
| AMERICAN 2035 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 295 | Pooled Separate Account | — | — | $244K | 5.4% | |
| AMERICAN 2010 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 290 | Pooled Separate Account | — | — | $223K | 4.9% | |
| AMERICAN 2045 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 297 | Pooled Separate Account | — | — | $221K | 4.9% | |
| WESTERN ASSET CORE PLUS BD RT ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 022 | Pooled Separate Account | — | — | $196K | 4.3% | |
| TA VANGUARD LIFESTRATEGY CONSERVATI TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 724 | Pooled Separate Account | — | — | $149K | 3.3% | |
| TA VANGUARD LIFESTRATEGY MODERATE G TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 914 | Pooled Separate Account | — | — | $110K | 2.4% | |
| Transamerica Financial Life Insurance Company Hartford Schroders Intrntl MltCp Val Ret Act | — | — | — | $98K | 2.2% | |
| HAFORD SCHRODERS INTL MLT-CP VAL TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 110 | Pooled Separate Account | — | — | $98K | 2.2% | |
| ALLSPRING SPECIAL MD CP VAL RT ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 745 | Pooled Separate Account | — | — | $96K | 2.1% | |
| AEGON CASH RESERVE RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 056 | Pooled Separate Account | — | — | $80K | 1.8% | |
| AMERICAN 2050 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 298 | Pooled Separate Account | — | — | $78K | 1.7% | |
| AMERICAN 2025 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 293 | Pooled Separate Account | — | — | $77K | 1.7% | |
| AMERICAN 2040 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 296 | Pooled Separate Account | — | — | $66K | 1.5% | |
| THORNBURG INTL VAL RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 210 | Pooled Separate Account | — | — | $58K | 1.3% | |
| AMERICAN 2030 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 294 | Pooled Separate Account | — | — | $55K | 1.2% | |
| AMERICAN 2060 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 300 | Pooled Separate Account | — | — | $40K | 0.9% | |
| AMERICAN 2055 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 299 | Pooled Separate Account | — | — | $18K | 0.4% | |
| Transamerica Financial Life Insurance Company American 2055 Target Date Retirement Ret Acct | — | — | — | $18K | 0.4% | |
| AMERICAN FUNDS 2065 TARGET DATE RET TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 455 | Pooled Separate Account | — | — | $15K | 0.3% | |
| CLEARBRIDGE SMALL CAP GR RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 380 | Pooled Separate Account | — | — | $11K | 0.3% | |
| STATE STREET S&P MD CP IDX RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 438 | Pooled Separate Account | — | — | $11K | 0.2% | |
| Participant loans Participant loans, with interest rates at 4.25% - 8.00% | — | — | — | $3K | <0.1% | |
| ALLSPRING CORE PLUS BD RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 129 | Pooled Separate Account | — | — | $2K | <0.1% | |
| AMERICAN 2020 TARGET DATE RETIREMEN TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 292 | Pooled Separate Account | — | — | $0 | <0.1% |
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