Employers › Smart & Final
Recordkeeping fees per participant · Smart & Final 401(k) Savings Plan · plan year 2024
$44.68
Higher than 42% of the 1,697 plans $250M to 1B that report it.
= $735,948 / 16,470
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251015161506NAL0010248114001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015161506NAL0010248114001, received 2025-10-15
Percentiles compare this plan with the Schedule H plans $250M to 1B in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-10-15.
Administrative expenses excluding investment management, per participant
$45.61
Higher than 27% of the 2,324 plans $250M to 1B that report it.
= $751,198 / 16,470
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015161506NAL0010248114001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015161506NAL0010248114001, received 2025-10-15
Administrative expenses per participant
$49.39
Higher than 20% of the 2,405 plans $250M to 1B that report it.
= $813,474 / 16,470
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015161506NAL0010248114001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015161506NAL0010248114001, received 2025-10-15
Administrative expenses as a share of assets
0.210%
Higher than 93% of the 2,407 plans $250M to 1B that report it.
= $813,474 / $386,527,233
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015161506NAL0010248114001, received 2025-10-15
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015161506NAL0010248114001, received 2025-10-15
Employer contributions per participant
$633
Higher than 5% of the 2,457 plans $250M to 1B that report it.
= $10,427,316 / 16,470
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015161506NAL0010248114001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015161506NAL0010248114001, received 2025-10-15
Employer share of total contributions
25.4%
Higher than 31% of the 2,459 plans $250M to 1B that report it.
= $10,427,316 / $41,084,811
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015161506NAL0010248114001, received 2025-10-15
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015161506NAL0010248114001, received 2025-10-15
Plan terms are described in Smart & Final LLC's SEC filings: Form 10-K filed 2007-03-07. No term could be quoted from them with the required precision.
2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · 3F · 3H controlled-group sponsor · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251015161506NAL0010248114001, received 2025-10-15
| Field | Value | Source |
|---|---|---|
| Plan sponsor | SMART & FINAL LLC | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Plan name | SMART & FINAL 401(K) SAVINGS PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Sponsor EIN / plan number | 95-4079584 / 001 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Sponsor location | CITY OF COMMERCE, CA | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Industry (business code) | 445110, Retail trade | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Filing received | 2025-10-15 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Participants, beginning of year | 15,296 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Active participants | 9,837 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Participants, end of year | 16,798 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Participants with an account balance | 16,470 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total assets, beginning of year | $344,375,347 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total assets, end of year | $386,527,233 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Net assets, end of year | $386,527,233 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total income | $85,585,239 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Net income | $42,151,886 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Employer contributions | $10,427,316 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Participant contributions | $29,713,062 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Other contributions (incl. rollovers) | $944,433 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total contributions | $41,084,811 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Benefit payments | $42,464,101 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total expenses (incl. benefit payments) | $43,433,353 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Total administrative expenses | $813,474 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Recordkeeping fees | $735,948 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| IQPA audit fees | $15,250 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Investment advisory and management fees | $62,276 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Administrative expenses excluding investment management | $751,198 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Held in common/collective trusts | $0 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Held in mutual funds | $332,071,926 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251015161506NAL0010248114001, received 2025-10-15 |
| Independent auditor | BAKER TILLY US, LLP | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251015161506NAL0010248114001, received 2025-10-15 |
Position = column in the DOL layout for form year 2024. Filing 20251015161506NAL0010248114001, received 2025-10-15.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONSrecordkeeper | RECORD KEEPER | 12 Claims processing; 15 Recordkeeping and information management; 28 Investment management; 37 Participant loan processing; 38 Participant communication; 50 Direct payment from the plan; 54 Sales loads (front end and deferred); 59 Shareholder servicing fees; 61 Finders fees / placement fees; 62 Float revenue; 63 Distribution (12b-1) fees; 64 Recordkeeping fees; 65 Account maintenance fees | $735,948 | yes |
| BENEFIT FINANCIAL SERVICES GROUP | CONSULTANT | 16 Consulting (general); 50 Direct payment from the plan | $62,276 | no |
| BAKER TILLY, US LLP | AUDITOR | 10 Accounting (including auditing); 50 Direct payment from the plan | $15,250 | no |
| NATIONAL FINANCIAL SERVICES | SECURITIES BROKER | 33 Securities brokerage; 71 Securities brokerage commissions and fees | $0 | yes |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20251015161506NAL0010248114001, received 2025-10-15.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $344,375,347 | $386,527,233 | 12.2% |
| Participants with a balance | 14,986 | 16,470 | 9.9% |
| Administrative expenses | $861,265 | $813,474 | -5.5% |
| Recordkeeping fees per participant | $49.24 | $44.68 | -9.3% |
| Employer contributions | $9,402,414 | $10,427,316 | 10.9% |
Prior filing 20241015155710NAL0058577698002, received 2024-10-15; the plan years are contiguous.
Sponsor name as filed: SMART & FINAL LLC; SEC registrant: SMART & FINAL INC/DE (CIK 875751, matched by EIN).