401(k) · DOL Form 5500 · 2024
Smart & Final LLC 401(k) Plan
Data updated 2026-08-25
- $387M
- Total assets Above avg plan size
- 10,302
- Participants Very large workforce
- 96th
- Percentile by assets National rank
- $37,520
- Avg per participant Low balance/head
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.
- #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.
- #7,879
- in Retail Trade (8,048 peers)
- +12.2%
- assets growth YoY
- 3.9×
- 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 2024 · DOL Form 5500
$386,527,233 Top 4% higher than 96% of 123,620 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024
Smart & Final 401(k) Savings Plan's mega-plan peer group by participant headcount
Plan-year 2024 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 (10,302 participants), the rightmost band on the breakdown.
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.
Plan-year Form 5500 strip
Filing strip 954079584 · Smart & Final LLC PY 2024 · 401(k)
Smart & Final 401(k) Savings Plan · $387M · 10,302 · 96th
- RANK $387M
- RANK 10,302
- RANK 96th
- RANK 401(k)
- RANK near Infineum Savings Plan
- RANK ind #7879
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) | $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)
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.
- 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)
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 Infineum Savings Plan in NJ ($386M); by covered participants it is Nuvance Health 401(k) Retirement Savings Plan in CT (10,293 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($387M here).
- 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
Similar participant headcount
Nearest other-state filings by covered participants (10,302 participants); asset peers above are excluded.
- Nuvance Health 401(k) Retirement Savings Plan (CT) 10,293 · 9 off
- Petvet Care Centers Management, LLC Retirement Savings Plan (CT) 10,290 · 12 off
- Dxc Technology Matched Asset Plan (VA) 10,284 · 18 off
- Brunswick Rewards Plan (IL) 10,284 · 18 off
DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.