Defined Benefit (Pension) · DOL Form 5500 · 2024

Smart & Final Pension Plan Pension Plan

Data updated 2026-08-25

$169M
Total assets Near avg plan size
1,313
Participants Near avg headcount
94th
Percentile by assets National rank
$128,660
Avg per participant Near avg balance/head
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Official DOL plan name: Smart & Final Pension Plan · Sponsored by Smart & Final Pension Plan · California · Retail Trade

$169M in assets, 1,313 participants

Smart & Final Pension Plan's Smart & Final Pension Plan reported $169M in total assets and 1,313 participants in its 2024 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.

  • #7,749 in Retail Trade (8,048 peers)

Coverage in California

Smart & Final Pension Plan covers 1,313 participants in California, 2.1x the typical California plan (state average ~630 per filing). Assets: $169M.

#7,749
in Retail Trade (8,048 peers)
+8.5%
assets growth YoY
1.7×
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 2024 · DOL Form 5500

$168,930,098 Top 6% higher than 94% of 123,620 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 2024

Smart & Final Pension Plan's large-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 Pension Plan lands in the large band (1,313 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Smart & Final Pension Plan reported net income fell from $18M in the plan year 2023 filing to $14M in the plan year 2024 filing.
  • Smart & Final Pension Plan end-of-year assets rose from $156M in the plan year 2023 filing to $169M in the plan year 2024 filing.
  • Smart & Final Pension Plan reported participants fell from 1,422 in the plan year 2023 filing to 1,313 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 954079584 · Smart & Final Pension Plan PY 2024 · Defined Benefit (Pension)

Smart & Final Pension Plan · $169M · 1,313 · 94th

  • IND $169M
  • IND 1,313
  • IND 94th
  • IND Defined Benefit (Pension)
  • IND near Unite Here! Workers and Hospitality Employers Vdb Pension Trust
  • IND ind #7749

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

Unite Here! Workers and Hospitality Employers Vdb Pension TrustUnite Here! Workers and Hosp…$169MSmart & Final Pension Plan$169MSheet Metal Workers Local 98 Pension FundSheet Metal Workers Local 98…$169MNorton Healthcare, Inc. Retirement PlanNorton Healthcare, Inc. Reti…$169MShore Medical Center Pension PlanShore Medical Center Pension…$168M
End-of-year total assets ($M) among Smart & Final Pension Plan and nearest nationwide Defined Benefit (Pension) peers. Source: DOL Form 5500 plan year 2024.

California filing particulars

Total Assets (Beginning of Year)$156M
Net Assets (End of Year)$169M
Net Income$14M
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): 0.168930098 · Participants: 1313Smart & Final Pension PlanKaiser Permanente Retirement Plan, Total assets ($B): 34.452234723 · Participants: 135057Kaiser Permanente Retirement PlanPacific Gas and Electric Company Retirement Plan, Total assets ($B): 17.60716624 · Participants: 27500Pacific Gas and Electric Company Retirement PlanRetirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc., Total assets ($B): 11.441381434 · Participants: 18983Retirement Plan for Physicians and Salaried Employees of the Permanente Medical Group, Inc.Western States Carpenters Pension Plan, Total assets ($B): 11.342334451 · Participants: 48582Western States Carpenters Pension PlanIlwu-Pma Pension Plan, Total assets ($B): 10.798538721 · Participants: 15833Ilwu-Pma Pension Plan
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 Unite Here! Workers and Hospitality Employers Vdb Pension Trust in MA ($169M); by covered participants it is Local 670 Pension Plan in NY (1,313 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($169M here).

Similar participant headcount

Nearest other-state filings by covered participants (1,313 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. 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 2024? ▼
Smart & Final Pension Plan grew at a solid clip - up 8.5% during 2024, from $156M to $169M. Reported net income was $14M.
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 123,622 plans that reported assets for plan year 2024 (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 Unite Here! Workers and Hospitality Employers Vdb Pension Trust in MA ($169M, 4,762 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 Local 670 Pension Plan in NY (1,313 participants, $84M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

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.