I am delighted that the CEO spoke to you and was confident that the SEC would simply file it for the public as soon as they were to receive the filing, however this is the first time this company has ever filed a 10K so there is a chance that the SEC may select to review the document according to their review process (links and quotes below). Obviously, RFMK's 10K filing is not necessarily going to be reviewed, but it could by chance be selected by the SEC for review and as a long time investor, I always simply include in my assumptions all of the worst case scenarios. If the SEC were to select RFMK's 10K for review, who knows how long it would take their review panel to mull over the disclosure and communicate effectively with the company to resolve whatever issues that could come up. I think that because the audit company RFMK decided to use is very reputable and official, they possibly have a good chance to not have to be subject to this SEC review process but to say or assume that it necessarily will not happen and that the SEC is definitely going to just file it for the publics eyes as soon as the receive it is not warranted. We HOPE (for times sake) that the SEC just glances at it and gives it a nod of approval (because of the quality of the report and the official audit corp) and files it but its at least possible that there could be delays. I hope that the 10K can be filed for the public before the Nov elections, I would be a very satisfied and happy shareholder if that were to happen. I will be satisfied as to the timing when I am looking at it on EDGAR and the current date is earlier than Nov 6th. I trust the CEO and I think he has done an amazing job, he has done much for shareholders in so little a time, however the filing of this 10K is coming down to the wire! I will be keeping my fingers crossed. 
http://www.sec.gov/answers/reada10k.htm
"The SEC staff reviews 10-Ks and may provide comments to a company where disclosures appear to be inconsistent with the disclosure requirements or deficient in explanation or clarity. The Sarbanes Oxley Act requires the SEC to review every public company’s financial statements at least once every three years. The SEC staff may review the 10-Ks of certain companies more frequently."
http://www.sec.gov/divisions/corpfin/cffilingreview.htm
"The Division views the comment process as a dialogue with a company about its disclosure. The staff’s comments are based on a company’s disclosure and other public information and reflect its understanding of that company’s facts and circumstances. In comments, the staff may request that a company provide additional supplemental information so the staff can better understand the company’s disclosure, revise disclosure in a document on file with the SEC, provide additional disclosure in a document on file with the SEC, or provide additional or different disclosure in a future filing with the SEC."
$RFMK!
