Kroger 401(k) match, vesting and fees
What Kroger'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 | Merrill Lynch, Pierce, Fenner and S | Schedule C ↗ |
| Independent auditor | Clark, Schaefer, Hackett & Co. (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 22 defined-contribution plans in retail trade with 50,000 or more participants.
| Kroger: employer contribution per participant | $1,850 | |
| Peer median | $1,179 |
| Kroger: average balance | $78,788 | |
| Peer median | $58,043 |
| Kroger: admin expenses ÷ assets | 0.03% | |
| Peer median | 0.09% |
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 $8.4B at the end of plan year 2023 to $11.8B at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 411,922 | $11.8B | $277M | $1,850 | 0.03% | Not published | Form 5500 ↗ |
| 2023 | 160,358 | $8.4B | $282M | $2,774 | 0.02% | Not published | Form 5500 ↗ |
Other Kroger plans (3)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
The Kroger Consolidated Retirement Benefit Plan Spin Off
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 | Clark, Schaefer, Hackett & Co (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
The Kroger Co. Pension Plan for Employees Rep. by Amalgamated Meat Cutters and Butcher Workmen of North America, Afl-Cio, Local No. 876
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 | Clark, Schaefer, Hackett & Co (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
The Kroger Co. Savings Plan
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Roth contributions | The Plan allows for Roth 401(k) contributions in addition to pre-tax contributions. | Audit report, p. 27 ↗ |
| Loans | The Plan permits participants to borrow from their vested account. The maximum amount that may be borrowed is the lesser of fifty thousand dollars or 50% of the vested balance of the account. Loan terms range from 1-4 years or up to 6 years for the purchase of a primary residence. The loans are collateralized by the balance in the participant’s account and bear interest at a rate of Prime plus 1.0%. | Audit report, p. 28 ↗ |
| Recordkeeper | Merrill Lynch, Pierce, Fenner and S | Schedule C ↗ |
| Independent auditor | Clark, Schaefer, Hackett & Co. (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Terminated (final filing) | Form 5500 ↗ |
All rows are from the plan year 2024 filing; plan features from its audit report.
Common questions
Does Kroger match 401(k) contributions?
The match terms for the The Kroger Co. 401(k) Retirement Savings Account Plan have not been published from its filing yet. The plan year 2024 filing reports $277M in employer contributions, about $1,850 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Kroger 401(k) match vested?
The vesting schedule for the The Kroger Co. 401(k) Retirement Savings Account Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Kroger 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Merrill Lynch, Pierce, Fenner and S. The plan administrator is The Kroger Co..
I left Kroger. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (The Kroger Co., (877) 373-3397) or the recordkeeper, Merrill Lynch, Pierce, Fenner and S. The Kroger old 401(k) page lists the contacts from every plan filing. Find an old Kroger 401(k)
Data from the public Form 5500 annual reports Kroger filed with the U.S. Department of Labor (plan years 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 Kroger. Not financial advice. Report a correction · Methodology