401(k) · DOL Form 5500 · 2022
Smart & Final LLC 401(k) Plan
Data updated 2026-08-25
- $290M
- Total assets Near avg plan size
- 9,346
- Participants Very large workforce
- 97th
- Percentile by assets National rank
- $31,043
- Avg per participant Low balance/head
Official DOL plan name: Smart & Final 401(k) Savings Plan · Sponsored by Smart & Final LLC · California · Retail Trade
$290M in assets, 9,346 participants
Smart & Final LLC's Smart & Final 401(k) Savings Plan reported $290M in total assets and 9,346 participants in its 2022 DOL Form 5500 filing, ranking in the 97th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.
- #9,345 in Retail Trade (9,519 peers)
Coverage in California
Smart & Final 401(k) Savings Plan covers 9,346 participants in California, 15x the typical California plan (state average ~630 per filing). Assets: $290M.
- #9,345
- in Retail Trade (9,519 peers)
- -13.1%
- assets change YoY
- 2.9×
- vs typical plan assets (national mean)
The plan reported a net loss of $44M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
Smart & Final 401(k) Savings Plan's outsized position by total assets
Smart & Final 401(k) Savings Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$290,124,135 Top 3% higher than 97% of 139,123 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022
Smart & Final 401(k) Savings Plan's large-plan peer group by participant headcount
Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Smart & Final 401(k) Savings Plan lands in the large band (9,346 participants).
Plan-year Form 5500 strip
Filing strip 954079584 · Smart & Final LLC PY 2022 · 401(k)
Smart & Final 401(k) Savings Plan · $290M · 9,346 · 97th
- 5500 $290M
- 5500 9,346
- 5500 97th
- 5500 401(k)
- 5500 near Cedar Fair Retirement Savings Plan
- 5500 ind #9345
Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Retail Trade retirement plans → · Plans in California →
Smart & Final 401(k) Savings Plan in the asset neighbourhood
California filing particulars
| Total Assets (Beginning of Year) | $334M |
|---|---|
| Net Assets (End of Year) | $290M |
| Net Income | -$44M |
| Employer EIN | 954079584 |
| Plan Effective Date | 1992-04-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Smart & Final LLC)
Sponsor-wide plan assets over time
All Smart & Final LLC plans reported in each filing year
- Latest sponsor-wide plan assets
- $555M 29.599038908358803% vs 2022
- 2024 filing year
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 2 | 10,814 | $429M |
| 2023 | 2 | 12,661 | $500M |
| 2024 | 2 | 11,615 | $555M |
Nearby 401(k) Plans in California
Peer 401(k) plans, same state, same plan type, ranked by total assets.
- Wells Fargo & Company 401(k) Plan $45.8B · 205,865
- Google LLC 401(k) Savings Plan $28.9B · 102,963
- Oracle Corporation 401(k) Savings and Investment Plan $21.9B · 46,320
- Chevron Employee Savings Investment Plan $18.6B · 19,946
- Intel 401(k) Savings Plan $18.4B · 54,672
Scale composition for Smart & Final 401(k) Savings Plan
Smart & Final 401(k) Savings Plan reports $290M in end-of-year assets across 9,346 participants (0.002% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.010% of 93,925,755 covered participants) - about $31,043 per participant (22% of the national average assets-per-participant) . Net income for plan year 2022 was -$44M.
This plan identity (EIN 954079584, plan #001) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $290M to $387M (+33.2%) while covered participants moved from 9,346 to 10,302 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 9,346 | $290M | This page |
| 2023 | 11,239 | $344M | Open filing |
| 2024 · index core | 10,302 | $387M | Open filing |
The same sponsor also keeps 2 other index-core plans on PlainRetire:
- Smart & Final 401(k) Savings Plan (401(k), $387M, 10,302 participants)
- Smart & Final Pension Plan (Defined Benefit (Pension), $169M, 1,313 participants)
Smart & Final 401(k) Savings Plan's out-of-state 401(k) peers by assets and headcount
Outside California, the nearest 401(k) by assets is Cedar Fair Retirement Savings Plan in OH ($290M); by covered participants it is Healthpro-Heritage 401(k) Plan in MD (9,346 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($290M here).
- Cedar Fair Retirement Savings Plan (OH) $290M · 3,059
- Winnebago Industries, Inc. Profit Sharing and Deferred Savings and Investment Plan (MN) $290M · 7,153
- The Nebraska Furniture Mart, Inc. Profit Sharing Plan (NE) $290M · 4,775
- Ziegler Inc. Voluntary Retirement Savings Plan (MN) $290M · 2,286
Similar participant headcount
Nearest other-state filings by covered participants (9,346 participants); asset peers above are excluded.
- Healthpro-Heritage 401(k) Plan (MD) 9,346 · 0 off
- Bertelsmann 401(k) Savings Plan (NY) 9,350 · 4 off
- Central Laborers Annuity Plan (IL) 9,337 · 9 off
- Savers 401(k) Plan (WA) 9,369 · 23 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.