401(k) · DOL Form 5500 · 2023
Smart & Final LLC 401(k) Plan
Data updated 2026-08-25
- $344M
- Total assets Above avg plan size
- 11,239
- Participants Very large workforce
- 96th
- Percentile by assets National rank
- $30,641
- Avg per participant Low balance/head
Official DOL plan name: Smart & Final 401(k) Savings Plan · Sponsored by Smart & Final LLC · California · Retail Trade
$344M in assets, 11,239 participants
Smart & Final LLC's Smart & Final 401(k) Savings Plan reported $344M in total assets and 11,239 participants in its 2023 DOL Form 5500 filing, ranking in the 96th 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.
- #8,239 in Retail Trade (8,414 peers)
Coverage in California
Smart & Final 401(k) Savings Plan covers 11,239 participants in California, 18x the typical California plan (state average ~630 per filing). Assets: $344M.
- #8,239
- in Retail Trade (8,414 peers)
- +18.7%
- assets growth YoY
- 3.5×
- vs typical plan assets (national mean)
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 2023 · DOL Form 5500
$344,375,347 Top 4% higher than 96% of 127,068 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2023
Smart & Final 401(k) Savings Plan's mega-plan peer group by participant headcount
Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Smart & Final 401(k) Savings Plan is a mega filing (11,239 participants), the rightmost band on the breakdown.
What changed between DOL Form 5500 filings
plan year 2022 → plan year 2023
- Smart & Final 401(k) Savings Plan reported net income rose from -$44M in the plan year 2022 filing to $54M in the plan year 2023 filing.
- Smart & Final 401(k) Savings Plan reported participants rose from 9,346 in the plan year 2022 filing to 11,239 in the plan year 2023 filing.
- Smart & Final 401(k) Savings Plan end-of-year assets rose from $290M in the plan year 2022 filing to $344M in the plan year 2023 filing.
Plan-year Form 5500 strip
Filing strip 954079584 · Smart & Final LLC PY 2023 · 401(k)
Smart & Final 401(k) Savings Plan · $344M · 11,239 · 96th
- RANK $344M
- RANK 11,239
- RANK 96th
- RANK 401(k)
- RANK near Tti Incorporated 401(k) Plan
- RANK ind #8239
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) | $290M |
|---|---|
| Net Assets (End of Year) | $344M |
| Net Income | $54M |
| 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 $51.8B · 193,919
- Google LLC 401(k) Savings Plan $39.0B · 122,867
- Oracle Corporation 401(k) Savings and Investment Plan $26.3B · 63,105
- Intel 401(k) Savings Plan $22.2B · 59,863
- Apple 401(k) Plan $19.8B · 106,111
Scale composition for Smart & Final 401(k) Savings Plan
Smart & Final 401(k) Savings Plan reports $344M in end-of-year assets across 11,239 participants (0.003% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.012% of 93,925,755 covered participants) - about $30,641 per participant (22% of the national average assets-per-participant) . Net income for plan year 2023 was $54M.
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 | Open filing |
| 2023 | 11,239 | $344M | This page |
| 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 Tti Incorporated 401(k) Plan in TX ($344M); by covered participants it is Kimberly-Clark Corporation 401(k) & Profit Sharing Plan in WI (11,236 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($344M here).
- Tti Incorporated 401(k) Plan (TX) $344M · 4,607
- Retirement Plan of Cravath, Swaine & Moore LLP (NY) $345M · 100
- Emblemhealth Services Company, LLC 401(k) Plan (NY) $344M · 1,580
- Enpro Industries, Inc. Retirement Savings Plan (NC) $345M · 2,129
Similar participant headcount
Nearest other-state filings by covered participants (11,239 participants); asset peers above are excluded.
- Kimberly-Clark Corporation 401(k) & Profit Sharing Plan (WI) 11,236 · 3 off
- Pappas Restaurants 401(k) Plan (TX) 11,234 · 5 off
- Hgv Retirement Savings Plan (FL) 11,232 · 7 off
- Virtua 401(k) Savings Plan (NJ) 11,249 · 10 off
DOL Form 5500 plan year 2023. Asset totals can differ widely at the same headcount; neither axis is a quality rating.