Smart & Final 401(k) match, vesting and fees
What Smart & Final's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Transamerica Retirement Solutions | Schedule C ↗ |
| Independent auditor | Baker Tilly US, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 87 defined-contribution plans in retail trade with 10,000 to 49,999 participants.
| Smart & Final: employer contribution per participant | $633 | |
| Peer median | $1,215 |
| Smart & Final: average balance | $23,469 | |
| Peer median | $48,539 |
| Smart & Final: admin expenses ÷ assets | 0.22% | |
| Peer median | 0.12% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $334M at the end of plan year 2021 to $387M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 16,798 | $387M | $10.4M | $633 | 0.22% | Not published | Form 5500 ↗ |
| 2023 | 15,281 | $344M | $9.4M | $627 | 0.27% | Not published | Form 5500 ↗ |
| 2022 | 15,749 | $290M | $9.7M | $680 | 0.30% | Not published | Form 5500 ↗ |
| 2021 | 16,015 | $334M | $8.6M | $541 | 0.34% | Not published | Form 5500 ↗ |
Other Smart & Final plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Smart & Final Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Baker Tilly US, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Smart & Final match 401(k) contributions?
The match terms for the Smart & Final 401(k) Savings Plan have not been published from its filing yet. The plan year 2024 filing reports $10.4M in employer contributions, about $633 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Smart & Final 401(k) match vested?
The vesting schedule for the Smart & Final 401(k) Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Smart & Final 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Transamerica Retirement Solutions. The plan administrator is Smart & Final LLC.
I left Smart & Final. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Smart & Final LLC, (323) 869-7643) or the recordkeeper, Transamerica Retirement Solutions. The Smart & Final old 401(k) page lists the contacts from every plan filing. Find an old Smart & Final 401(k)
Data from the public Form 5500 annual reports Smart & Final filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Smart & Final. Not financial advice. Report a correction · Methodology