401(k) · DOL Form 5500 · 2024
Smart & Final LLC 401(k) Plan
Data updated 2026-08-11
- $387M
- Total assets
- 10,302
- Participants
- 96th
- Percentile by assets
- $37,520
- Avg per participant
Official DOL plan name: Smart & Final 401(k) Savings Plan · Sponsored by Smart & Final LLC · California · Retail Trade
$387M in assets, 10,302 participants
Smart & Final LLC's Smart & Final 401(k) Savings Plan reported $387M in total assets and 10,302 participants in its 2024 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 123,622 plans)
- #7,879 in Retail Trade (8,048 peers)
Coverage in California
Smart & Final 401(k) Savings Plan covers 10,302 participants in California, 16x the typical California plan (state average ~630 per filing). Assets: $387M.
- $387M
- total plan assets (2024 EOY)
- 10,302
- covered participants
- 96th
- percentile by assets (of 123,622 plans)
- $37,520
- avg assets per participant
What changed between DOL Form 5500 filings
plan year 2023 → plan year 2024
- Smart & Final 401(k) Savings Plan reported net income fell from $54M in the plan year 2023 filing to $42M in the plan year 2024 filing.
- Smart & Final 401(k) Savings Plan end-of-year assets rose from $344M in the plan year 2023 filing to $387M in the plan year 2024 filing.
- Smart & Final 401(k) Savings Plan reported participants fell from 11,239 in the plan year 2023 filing to 10,302 in the plan year 2024 filing.
Participants vs California filers
In California, the average filing covers about 630 participants across 15,291 plans. Smart & Final 401(k) Savings Plan reports 10,302 participants - 16x that state average ($387M EOY assets).
California filing particulars
| Total Assets (Beginning of Year) | $344M |
|---|---|
| Net Assets (End of Year) | $387M |
| Net Income | $42M |
| 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
- Google LLC 401(k) Savings Plan $48.7B · 116,712
- Oracle Corporation 401(k) Savings and Investment Plan $31.0B · 58,962
- Intel 401(k) Savings Plan $24.9B · 55,298
- Apple 401(k) Plan $24.7B · 101,450
- Cisco Systems,Inc. 401(k) Plan $22.7B · 40,452
Scale composition for Smart & Final 401(k) Savings Plan
Smart & Final 401(k) Savings Plan reports $387M in end-of-year assets across 10,302 participants (0.003% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.011% of 93,925,755 covered participants) - about $37,520 per participant (27% of the national average assets-per-participant) . Net income for plan year 2024 was $42M.
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 | Open filing |
| 2024 · index core | 10,302 | $387M | This page |
The same sponsor also keeps 1 other index-core plan on PlainRetire:
- 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.
- Infineum Savings Plan (NJ) $386M · 530
- Medtronic Puerto Rico Employees' Savings and Investment Plan (MN) $386M · 5,202
- Ziegler Inc. Voluntary Retirement Savings Plan (MN) $387M · 2,800
- Trinity Industries, Inc. 401(k) Plan as Restated Effective August 1, 2020 (TX) $386M · 2,644
Frequently Asked Questions
How did Smart & Final 401(k) Savings Plan assets move in 2024? ▼
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