Defined Benefit (Pension) · DOL Form 5500 · 2022

Smart & Final LLC Pension Plan

Data updated 2026-08-25

$138M
Total assets Near avg plan size
1,468
Participants Near avg headcount
94th
Percentile by assets National rank
$94,327
Avg per participant Below avg balance/head
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Official DOL plan name: Smart & Final Pension Plan · Sponsored by Smart & Final LLC · California · Retail Trade

$138M in assets, 1,468 participants

Smart & Final LLC's Smart & Final Pension Plan reported $138M in total assets and 1,468 participants in its 2022 DOL Form 5500 filing, ranking in the 94th 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.

  • #9,219 in Retail Trade (9,519 peers)

Coverage in California

Smart & Final Pension Plan covers 1,468 participants in California, 2.3x the typical California plan (state average ~630 per filing). Assets: $138M.

#9,219
in Retail Trade (9,519 peers)
-19.1%
assets change YoY
1.4×
vs typical plan assets (national mean)

The plan reported a net loss of $34M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Smart & Final Pension Plan's outsized position by total assets

Smart & Final Pension Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$138,472,663 Top 6% higher than 94% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Smart & Final Pension 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 Pension Plan lands in the large band (1,468 participants).

EBSA filing schedule strip

Filing strip 954079584 · Smart & Final LLC PY 2022 · Defined Benefit (Pension)

Smart & Final Pension Plan · $138M · 1,468 · 94th

  • EBSA $138M
  • PART 1,468
  • TYPE 94th
  • NET Defined Benefit (Pension)
  • BOOK near U.a. Plumbers 63 & Steamfitters 353 Joint Pension
  • VS-ST ind #9219

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 Pension Plan in the asset neighbourhood

Vista Outdoor Inc. Pension and Retirement PlanVista Outdoor Inc. Pension a…$139MSt. John's Riverside Hospital Retirement Assistance PlanSt. John's Riverside Hospita…$139MSmart & Final Pension Plan$138MU.a. Plumbers 63 & Steamfitters 353 Joint PensionU.a. Plumbers 63 & Steamfitt…$138MMead Johnson & Company Retirement PlanMead Johnson & Company Retir…$138M
End-of-year total assets ($M) among Smart & Final Pension Plan and nearest nationwide Defined Benefit (Pension) peers. Source: DOL Form 5500 plan year 2022.

California filing particulars

Total Assets (Beginning of Year)$171M
Net Assets (End of Year)$137M
Net Income-$34M
Employer EIN954079584
Plan Effective Date1974-04-01
Filing StatusFILING 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
$400M$450M$500M$550M$600M 202220232024 $429M $555M ▲ +29.6%
Year Plans Participants Total Assets
2022 2 10,814 $429M
2023 2 12,661 $500M
2024 2 11,615 $555M

Nearby Defined Benefit (Pension) Plans in California

Peer Defined Benefit (Pension) plans, same state, same plan type, ranked by total assets.

Smart & Final Pension Plan vs. nearby Defined Benefit (Pension) plans in California, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000 -10010203040 Total assets ($B) Participants Smart & Final Pension Plan, Total assets ($B): 0.138472663 · Participants: 1468Smart & Final Pension PlanKaiser Permanente Retirement Plan, Total assets ($B): 31.853758931 · Participants: 126331Kaiser Permanente Retirement PlanPacific Gas and Electric Company Retirement Plan, Total assets ($B): 17.05949917 · Participants: 25709Pacific Gas and Electric Company Retirement PlanRetirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc., Total assets ($B): 10.381485239 · Participants: 19326Retirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc.Disney Salaried Pension Plan D, Total assets ($B): 9.228005463 · Participants: 11405Disney Salaried Pension Plan DWells Fargo & Company Cash Balance Plan, Total assets ($B): 8.784432859 · Participants: 59141Wells Fargo & Company Cash Balance Plan
Smart & Final Pension Plan vs. nearby Defined Benefit (Pension) plans in California, assets vs. participants
Compare Smart & Final Pension Plan side-by-side with 3 peers →

Smart & Final Pension Plan's out-of-state Defined Benefit (Pension) peers by assets and headcount

Outside California, the nearest Defined Benefit (Pension) by assets is U.a. Plumbers 63 & Steamfitters 353 Joint Pension in IN ($138M); by covered participants it is The Dierbergs Market, Inc and Local 655 Variable Annuity Plan in MO (1,468 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (1,468 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Smart & Final Pension Plan assets move in 2022? ▼
Smart & Final Pension Plan declined sharply - down 19.1% during 2022, from $171M to $138M. Reported net income was -$34M.
How have Smart & Final LLC plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Smart & Final LLC's sponsor-wide assets grew 29.6%, from $429M to $555M.
Where does Smart & Final Pension Plan rank by assets among Form 5500 filers? ▼
Smart & Final Pension Plan ranks in the 94th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 10% of all filed plans by assets).
Which Defined Benefit (Pension) plans are similar in size to Smart & Final Pension Plan? ▼
Among Defined Benefit (Pension) plans in other states, the closest by assets is U.a. Plumbers 63 & Steamfitters 353 Joint Pension in IN ($138M, 465 participants).
Which Defined Benefit (Pension) plans cover a similar participant headcount to Smart & Final Pension Plan? ▼
Among Defined Benefit (Pension) plans in other states, the closest by covered participants is The Dierbergs Market, Inc and Local 655 Variable Annuity Plan in MO (1,468 participants, $6M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 954079584.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.