Rbc Usa Holdco Corporation 401(k) Plan: Login, Facts & Contact Information

Rbc Usa Holdco Corporation 401(k) Plan Facts

Plan name
RBC- U.S.A. RETIREMENT AND SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
RBC USA HOLDCO CORPORATION
Participants
15,250 (10,111 active employees)
Former employees with a balance
4,269
Plan assets
$4,298,557,400 at Dec 31, 2024
Average account balance
$301,336 across 14,265 accounts
Employer contributions
$71,184,857 in plan year 2024 (25% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jun 5, 1973
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments✓ Self-directed brokerage window✓ Profit sharing✓ Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jul 21, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $290.0 million went into the plan in contributions, $71.2 million of it from the employer (25%).
  • $326.9 million was paid out to participants.
  • Investment and other income added $618.8 million.
  • Administrative expenses were $312,239, about $22 per account.

How the Rbc Usa Holdco Corporation 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201913,128$2.90 billion$51.7 million$180.0 million
202013,260$3.34 billion$55.6 million$191.9 million
202113,337$3.84 billion$57.8 million$291.1 million
202213,541$3.17 billion$58.9 million$245.3 million
202313,795$3.72 billion$65.0 million$303.3 million
202415,250$4.30 billion$71.2 million$326.9 million

Rbc Usa Holdco Corporation 401(k) Contact Information

Phone
612-371-7233
Mailing address
250 NICOLLET MALL FLOOR 16, MINNEAPOLIS MN 55401
Plan sponsor
RBC USA HOLDCO CORPORATION
Employer identification number (EIN)
20-0563684
Plan number
003

Questions about the Rbc Usa Holdco Corporation 401(k)

Does Rbc Usa Holdco Corporation contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $71.2 million, 25% of all contributions.

Does the Rbc Usa Holdco Corporation 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Rbc Usa Holdco Corporation 401(k) plan?

15,250 participants at the start of plan year 2024, 10,111 of them active employees, and 4,269 former employees who still had money in the plan.

What is the average 401(k) balance at Rbc Usa Holdco Corporation?

About $301,336 per account: $4.30 billion in plan assets across 14,265 accounts with a balance at the end of plan year 2024.

Who manages the Rbc Usa Holdco Corporation 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Rbc Usa Holdco Corporation. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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