Smart & Final 401(k) and pension plans

Smart & Final LLC, City of Commerce, CA. EIN 95-4079584. Annual reports 2009–2024. Also filed as Smart & Final, Inc.; Smart & Final Inc; Smart & Final Pension Plan.

Smart & Final LLC has 2 active retirement plans on file. The largest is the Smart & Final 401(k) Savings Plan, with 16,798 participants and $387 million in assets in 2024. Transamerica has been its recordkeeper since 2011.

Active plans: 2
Participants: 20,673
Plan assets: $555 million
401(k) recordkeeper: Transamerica
Plans on file: 2
Industry: Retail

All 2 plans

Active plans first

Smart & Final 401(k) Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 95-4079584
Participants (2024): 16,798
Net assets (2024): $387 million
Recordkeeper: TransamericaEarlier: Merrill (2009–2010)
Plan administrator: Smart & Final LLC
600 Citadel Drive
City of Commerce, CA 90040
(323) 869-7643As filed for 2024
In effect since: April 1, 1992

Earlier plan names: Smart & Final Corporation 401(k) Savings Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	16,798	$387 million	Transamerica
2023	15,281	$344 million	Transamerica
2022	15,749	$290 million	Transamerica
2021	16,015	$334 million	Transamerica
2020	15,463	$295 million	Transamerica
2019	15,009	$255 million	Transamerica
2018	15,181	$211 million	Transamerica
2017	13,759	$209 million	Transamerica
2016	13,317	$178 million	Transamerica
2015	11,730	$157 million	Transamerica
2014	10,022	$147 million	Transamerica
2013	9,272	$134 million	Transamerica
2012	8,648	$114 million	Transamerica
2011	8,299	$99.0 million	Transamerica
2010	7,439	$95.1 million	Merrill
2009	7,219	$81.2 million	Merrill

Smart & Final Pension Plan

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 002Employer EIN 95-4079584
Participants (2024): 3,875
Net assets (2024): $169 million
Last listed administrator: Wells Fargo2013–2018
Plan administrator: Smart & Final Pension Plan
600 Citadel DR
Commerce, CA 90040
(323) 869-7643As filed for 2024
In effect since: April 1, 1974

Earlier sponsor: Smart & Final Inc (2009–2022).

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	3,875	$169 million	not listed
2023	3,987	$155 million	not listed
2022	3,999	$137 million	not listed
2021	4,016	$171 million	not listed
2020	4,056	$148 million	not listed
2019	4,967	$195 million	not listed
2018	4,971	$159 million	Wells Fargo
2017	4,955	$180 million	Wells Fargo
2016	4,986	$150 million	Wells Fargo
2015	4,966	$137 million	Wells Fargo
2014	4,947	$136 million	Wells Fargo
2013	4,933	$128 million	Wells Fargo
2012	4,936	$105 million	not listed
2011	4,950	$92.8 million	not listed
2010	4,989	$90.3 million	not listed
2009	5,131	$84.1 million	not listed

If you had money in one of these plans

Call Transamerica (transamerica.com), which runs the Smart & Final 401(k) Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((323) 869-7643). That number was filed for 2024; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

Smart & Final 401(k) Savings Plan

Smart & Final Pension Plan

If you had money in one of these plans

What these numbers are

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