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Original filing (PDF)20251015161506NAL0010248114001
SMART & FINAL LLC
Form 5500
FILING_RECEIVED
SMART & FINAL 401(K) SAVINGS PLAN
401(k) retirement plan
Active participants
9,837
Accounts w/ balance
16,470
Plan assets (EOY)
$386.5M
Net assets (EOY)
$386.5M
How this plan invests
This plan
1 pooled trust
Schedule D
18 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 21 bps in Schedule C fees — 110% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SMART & FINAL LLC.
Plan sponsor
Name
SMART & FINAL LLC
EIN
95-4079584
Address
600 CITADEL DRIVE · CITY OF COMMERCE, CA · 90040
Phone
(323) 869-7643
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $736K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT FINANCIAL SERVICES GROUP | — | IRVINE, CA | CONSULTANT | $62K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BAKER TILLY, US LLP | 30-1413441 | — | AUDITOR | $15K | — |
Investments
18 direct securities · 1 pooled fund· $437.3M(100% 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.
Uncategorized
$437.3M
18 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Fds Gr Fd of America R6 Mutual fund | — | — | — | $72.0M | 18.6% | |
| American Funds EuroPacific Gr R6 Mutual fund | — | — | — | $52.7M | 13.6% | |
| Metropolitan West Total Ret Bd M Mutual fund | — | — | — | $44.8M | 11.6% | |
| American Funds Washington Mtl R6 Mutual fund | — | — | — | $41.6M | 10.8% | |
| Vanguard Instl Index Mutual fund | — | — | — | $36.3M | 9.4% | |
| Transamerica Guaranteed Inv Option Collective trust | — | — | — | $29.7M | 7.7% | |
| Insurance Company/General Account | — | — | — | $29.7M | 7.7% | |
| maturing through May 2039 | — | — | — | $22.9M | 5.9% | |
| Participants Notes Receivable with interest rates of 4.25% to 9.50% | — | — | — | $22.9M | 5.9% | |
| Vanguard Total Bd Mkt Index Instl Mutual fund | — | — | — | $14.1M | 3.7% | |
| JHancock3 Disciplined Val Md cp R6 Mutual fund | — | — | — | $13.5M | 3.5% | |
| BlackRock Mid-Cap Gr Eq Instl Mutual fund | — | — | — | $12.6M | 3.3% | |
| Vanguard Small Cap Index Inst Mutual fund | — | — | — | $10.0M | 2.6% | |
| Fidelity Small Cap Gr K6 Mutual fund | — | — | — | $9.2M | 2.4% | |
| Vanguard Mid Cap Index Instl Mutual fund | — | — | — | $8.8M | 2.3% | |
| American Beacon Small Cap Val R5 Mutual fund | — | — | — | $8.5M | 2.2% | |
| PGIM Glbl Total Return R6 Mutual fund | — | — | — | $7.9M | 2.0% | |
| Instl US Govt Money Market Premier Mutual fund | — | — | — | $206K | <0.1% | |
| TRANSAMERICA RET SOLUTIONS CT TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |