401(k) · DOL Form 5500 · 2022
Smart & Final LLC 401(k) Plan
Data updated 2026-08-11
- $290M
- Total assets
- 9,346
- Participants
- 97th
- Percentile by assets
- $31,043
- Avg per participant
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.
- 97th percentile by assets (of 139,126 plans)
- #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.
- $290M
- total plan assets (2022 EOY)
- 9,346
- covered participants
- 97th
- percentile by assets (of 139,126 plans)
- $31,043
- avg assets per participant
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.
Participants vs California filers
In California, the average filing covers about 630 participants across 15,291 plans. Smart & Final 401(k) Savings Plan reports 9,346 participants - 15x that state average ($290M EOY assets).
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)
| 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.
Smart & Final 401(k) Savings Plan vs. nearby 401(k) plans in California, assets vs. participants
- 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)
Similar-Sized 401(k) Plans Nationally
401(k) plans in other states closest to Smart & Final 401(k) Savings Plan by total assets, not by location.
- 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
Frequently Asked Questions
How did Smart & Final 401(k) Savings Plan assets move in 2022? ▼
How have Smart & Final LLC plan assets changed over time? ▼
Where does Smart & Final 401(k) Savings Plan rank by assets among Form 5500 filers? ▼
Which 401(k) plans are similar in size to Smart & Final 401(k) Savings Plan? ▼
Next read for Smart & Final 401(k) Savings Plan
Filing takeaways
Ways to act on Smart & Final 401(k) Savings Plan's numbers.
- By total assets, Smart & Final 401(k) Savings Plan ranks in the top 5% of all filed plans by assets. See the largest plans
- Compare it side-by-side against 3 similar 401(k) plans in California. Compare plans
- Smart & Final LLC's sponsor-wide assets have grown 29.6% since 2022 across 3 plan years on file. More Retail Trade plans