After some trial and error I think I have created a working example of using ReferenceFileDocument. You can find the code here - https://github.com/acwright/DocExample/tree/master. I hope this helps someone else!
acwrightdesign
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Can we please get an answer from an Apple engineer on this?
I am also struggling to understand how to use ReferenceFileDocument correctly. An example of proper usage would be greatly appreciated!