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Original filing (PDF)20251013091809NAL0000917441001
THE KROGER CO.
Form 5500
FILING_RECEIVED
THE KROGER CO. 401(K) RETIREMENT SAVINGS ACCOUNT PLAN
401(k) retirement plan
Signals · 1
85% in single holding
Active participants
380,891
Accounts w/ balance
149,880
Plan assets (EOY)
$11.8B
Net assets (EOY)
$11.8B
How this plan invests
This plan
1 pooled trust
Schedule D
3 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
100
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "Interest in Master Trust" is 85% of plan.
- Only 39% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Below-peer total fees (2 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE KROGER CO..
Plan sponsor
Name
THE KROGER CO.
EIN
31-0345740
Address
1014 VINE ST · CINCINNATI, OH · 45202
Phone
(877) 373-3397
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
010
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
2O · ESOP (non-leveraged)
Audit & trust (Schedule H)
Auditor
CLARK, SCHAEFER, HACKETT & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH, PIERCE, FENNER AND S | 13-5674085 | — | RECORDKEEPER | $2.0M | — |
| FID INV INST OPS CO | 04-2647786 | — | RECORDKEEPER | $675K | — |
Investments
2 direct securities · 1 pooled fund· $11.7B(99% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Master Trust
$10.0B
1 holding
Uncategorized
$1.8B
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| KROGER DEFINED CONTR PLAN MASTER TR THE KROGER CO. · EIN 31-0345740 / PN 009 | Master Trust | — | — | $10.0B | 84.3% | |
| Corporate stock held outside of Master Trust | — | — | — | $1.6B | 14.0% | |
| Participant loans, 4.25% to 11%, various maturities | — | — | — | $132.8M | 1.1% |