Retirement plan

SECURE FUTURE SAVINGS AND INVESTING PLAN

Name: RIVER CITY EQUIPMENT RENTAL & SALES, INC. - SECURE FUTURE SAVINGS AND INVESTING PLAN (2025) Form 5500
Creator: RIVER CITY EQUIPMENT RENTAL & SALES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SECURE FUTURE SAVINGS AND INVESTING PLAN, RIVER CITY EQUIPMENT RENTAL & SALES, INC.

RIVER CITY EQUIPMENT RENTAL & SALES, INC.EIN 20-8799242Plan #001PY 2025

4057 RURAL PLAINS CIR, SUITE 320 - FRANKLIN, TN 37064615-223-0555

Prospect flagsLow assets / participant

How to read this page

Total assets (EOY)

$10.5M

+36.3% from 2024

Total participants

573

-0.5% from 2024

Average account balance

$21,298

+35.7% from 2024

Annual return

22.78%

+1.83 pp from 2024

Benchmarks

See 281 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants250-999

Cohort281 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$10.52M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$21K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

494

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

77.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.71M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+22.78%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$194

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
PNC BANK, N.A.2 years Filed as: PNC BANK NATIONAL ASSOCIATION Service code 27 · EIN 22-1146430	Advisory (Plan)	$48,837
TRANSAMERICA RETIREMENT SOLUTIONS1 year Filed as: TRANSAMERICA RETIREMENT SOLUTIONS, Service code 15 · EIN 13-3689044	Recordkeeping	$41,455
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401(K) ASSOCIATES LP Service code 15 · EIN 20-1181458	Recordkeeping	$13,536

Plan features & details

Pension benefit codes2E2F2G2J2K3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$96K

$273 / participant

Contract admin$96K100.0%

% of EOY assets

0.911%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: METZ CPA PLLC
Auditor EIN: 464558541
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$21,298

$116,081-81.7%

$156,181-86.4%

$79,634-73.3%

Participation rate

77.5%

75.6%+1.9pp

78.8%-1.3pp

62.5%+15.0pp

Annual return

22.78%

15.89%+6.9pp

64.87%-42.1pp

36.46%-13.7pp

Employer contribution / active EE

$3,089

$2,828+9.2%

$4,294-28.1%

$2,529+22.1%

Participant deferral / active EE

$4,623

$4,584+0.8%

$6,132-24.6%

$3,835+20.6%

Admin fee / account holder

$194

$854-77.3%

$14,586-98.7%

$1,002-80.6%

Provider

Service type

Compensation

PNC BANK, N.A.2 years

Filed as: PNC BANK NATIONAL ASSOCIATION

Service code 27 · EIN 22-1146430

Advisory (Plan)

$48,837

TRANSAMERICA RETIREMENT SOLUTIONS1 year

Filed as: TRANSAMERICA RETIREMENT SOLUTIONS,

Service code 15 · EIN 13-3689044

Recordkeeping

$41,455

NOVA 401(K) ASSOCIATES1 year

Filed as: NOVA 401(K) ASSOCIATES LP

Service code 15 · EIN 20-1181458

Recordkeeping

$13,536

SECURE FUTURE SAVINGS AND INVESTING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SECURE FUTURE SAVINGS AND INVESTING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion