Defined Benefit (Pension) · DOL Form 5500 · 2023

Smart & Final Pension Plan Pension Plan

Data updated 2026-08-25

$156M
Total assets Near avg plan size
1,422
Participants Near avg headcount
94th
Percentile by assets National rank
$109,503
Avg per participant Below avg balance/head
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Official DOL plan name: Smart & Final Pension Plan · Sponsored by Smart & Final Pension Plan · California · Retail Trade

$156M in assets, 1,422 participants

Smart & Final Pension Plan's Smart & Final Pension Plan reported $156M in total assets and 1,422 participants in its 2023 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.

  • #8,115 in Retail Trade (8,414 peers)

Coverage in California

Smart & Final Pension Plan covers 1,422 participants in California, 2.3x the typical California plan (state average ~630 per filing). Assets: $156M.

#8,115
in Retail Trade (8,414 peers)
+12.5%
assets growth YoY
1.6×
vs typical plan assets (national mean)

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 2023 · DOL Form 5500

$155,713,862 Top 6% higher than 94% of 127,068 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 2023

Smart & Final Pension Plan's large-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 Pension Plan lands in the large band (1,422 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Smart & Final Pension Plan reported net income rose from -$34M in the plan year 2022 filing to $18M in the plan year 2023 filing.
  • Smart & Final Pension Plan end-of-year assets rose from $138M in the plan year 2022 filing to $156M in the plan year 2023 filing.
  • Smart & Final Pension Plan reported participants fell from 1,468 in the plan year 2022 filing to 1,422 in the plan year 2023 filing.

See the national 2022→2023 release diff →

EBSA filing schedule strip

Filing strip 954079584 · Smart & Final Pension Plan PY 2023 · Defined Benefit (Pension)

Smart & Final Pension Plan · $156M · 1,422 · 94th

  • PART $156M
  • TYPE 1,422
  • NET 94th
  • BOOK Defined Benefit (Pension)
  • VS-ST near Twin City Floor Covering Industry Pension Fund
  • BOY ind #8115

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

Plumbers & Steamfitters Local 150 Pension FundPlumbers & Steamfitters Loca…$156MCovington Portfolio Pension PlanCovington Portfolio Pension …$156MSmart & Final Pension Plan$156MTwin City Floor Covering Industry Pension FundTwin City Floor Covering Ind…$156MDrywall Pension Fund$156M
End-of-year total assets ($M) among Smart & Final Pension Plan and nearest nationwide Defined Benefit (Pension) peers. Source: DOL Form 5500 plan year 2023.

California filing particulars

Total Assets (Beginning of Year)$138M
Net Assets (End of Year)$155M
Net Income$18M
Employer EIN954079584
Plan Effective Date1974-04-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Smart & Final Pension Plan)

Sponsor-wide plan assets over time

All Smart & Final Pension Plan 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): 0.155713862 · Participants: 1422Smart & Final Pension PlanKaiser Permanente Retirement Plan, Total assets ($B): 33.538817099 · Participants: 127356Kaiser Permanente Retirement PlanPacific Gas and Electric Company Retirement Plan, Total assets ($B): 21.40954351 · Participants: 22914Pacific Gas and Electric Company Retirement PlanPacific Gas and Electric Company Retirement Plan, Total assets ($B): 17.980531142 · Participants: 25647Pacific Gas and Electric Company Retirement PlanRetirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc., Total assets ($B): 10.814691143 · Participants: 19545Retirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc.Disney Salaried Pension Plan D, Total assets ($B): 10.057095066 · Participants: 10813Disney Salaried Pension Plan D
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 Twin City Floor Covering Industry Pension Fund in MN ($156M); by covered participants it is Sturdy Memorial Hospital Inc Retirement Plan in MA (1,418 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($156M here).

DOL Form 5500 plan year 2023. 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 2023? ▼
Smart & Final Pension Plan grew at a solid clip - up 12.5% during 2023, from $138M to $156M. Reported net income was $18M.
How have Smart & Final Pension Plan plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Smart & Final Pension Plan'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 127,072 plans that reported assets for plan year 2023 (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 Twin City Floor Covering Industry Pension Fund in MN ($156M, 407 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 Sturdy Memorial Hospital Inc Retirement Plan in MA (1,418 participants, $387M in assets).

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.