401(k) · DOL Form 5500 · 2023

Smart & Final LLC 401(k) Plan

Data updated 2026-08-11

$344M
Total assets
11,239
Participants
96th
Percentile by assets
$30,641
Avg per participant
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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.

  • 96th percentile by assets (of 127,072 plans)
  • #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.

$344M
total plan assets (2023 EOY)
11,239
covered participants
96th
percentile by assets (of 127,072 plans)
$30,641
avg assets per participant

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.

See the national 2022→2023 release diff →

State
California
Industry
Retail Trade

Participants vs California filers

In California, the average filing covers about 630 participants across 15,291 plans. Smart & Final 401(k) Savings Plan reports 11,239 participants - 18x that state average ($344M EOY assets).

California filing particulars

Total Assets (Beginning of Year)$290M
Net Assets (End of Year)$344M
Net Income$54M
Employer EIN954079584
Plan Effective Date1992-04-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Smart & Final LLC)

$400M$450M$500M$550M$600M 202220232024 $429M $555M ▲ +29.6%
Total plan assets by year, all Smart & Final LLC plans on file
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

Smart & Final 401(k) Savings Plan vs. nearby 401(k) plans in California, assets vs. participants Scatter plot of 6 data points. 050000100000150000200000250000 -200204060 Total assets ($B) Participants Smart & Final 401(k)…Wells Fargo & Compan…Google LLC 401(k) Sa…Oracle Corporation 4…Intel 401(k) Savings…Apple 401(k) Plan
Smart & Final 401(k) Savings Plan vs. nearby 401(k) plans in California, assets vs. participants
Compare Smart & Final 401(k) Savings Plan side-by-side with 3 peers →

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:

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.

Frequently Asked Questions

How did Smart & Final 401(k) Savings Plan assets move in 2023? ▼
Smart & Final 401(k) Savings Plan grew sharply - up 18.7% during 2023, from $290M to $344M. Reported net income was $54M.
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 401(k) Savings Plan rank by assets among Form 5500 filers? ▼
Smart & Final 401(k) Savings Plan ranks in the 96th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top 5% of all filed plans by assets).
Which 401(k) plans are similar in size to Smart & Final 401(k) Savings Plan? ▼
Among 401(k) plans in other states, the closest by assets is Tti Incorporated 401(k) Plan in TX ($344M, 4,607 participants).

Next read for Smart & Final 401(k) Savings Plan

Filing takeaways

Ways to act on Smart & Final 401(k) Savings Plan's numbers.

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

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.