Assets by plan
Share of aggregate retirement assets
Sponsor portfolioTH
SMART & FINAL LLC
EIN 95-4079584retailLatest filing 2025
Plans
7
Retirement
2
$555.5M assets
Welfare
5
$23.4M premiums
Participants
32,240
600 CITADEL DRIVE - CITY OF COMMERCE, CA 90040323-869-7643smartandfinal.comLinkedIn10001+ employeesretail
Retirement portfolio analytics
2 plans aggregated / $555.5M assets / 20,673 participantsParticipants by plan
Active + retired + deferred vested
Benefits portfolio analytics
5 plans / $23.4M premiums / 11,096 covered livesCoverage by line
Premium dollars by benefit type (bundled lines overlap)
- Health$21.5M
- Prescription drug$21.5M
- Life$852K
- Short-term disability$852K
- Other$852K
- Long-term disability$607K
- +2 more
Carrier market share
Premium dollars by Schedule A carrier
83%top
- KAISER FOUNDATION HEALTH PLAN INC83%
- UNITEDHEALTHCARE INSURANCE COMPANY7%
- THE LINCOLN NATIONAL LIFE INSURANCE COMPANY6%
- BLUE CROSS OF CALIFORNIA3%
- CIGNA HEALTH AND LIFE INSURANCE COMPANY1%
- +1 more
Broker market share
Schedule A broker compensation
100%top
- GALLAGHER BENEFIT SERVICES, INC.100%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#001
SMART & FINAL 401(K) SAVINGS PLAN
401k
Assets$386.5M
Participants16,798
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002
SMART & FINAL PENSION PLAN
TraditionalDB
Assets$168.9M
Participants3,875
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#507
SMART & FINAL SMARTCARE HEALTHCARE BENEFITS PLAN
Fully Insured - KAISER FOUNDATION HEALTH PLAN, INC.
Premiums$21.5M
Covered lives2,696
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#505
SMART & FINAL INC. GROUP LIFE, ACCIDENT, CONTRIBUTORY AND NONCONTRIBUTORY PLANS
Fully Insured - LINCOLN NATIONAL LIFE INSURANCE COMPANY
Premiums$852K
Covered lives2,759
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#508
SMART & FINAL INC. LONG TERM DISABILITY PLAN
Fully Insured - LINCOLN NATIONAL LIFE INSURANCE COMPANY
Premiums$607K
Covered lives2,763
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#501
SMART & FINAL INC. DENTAL PLAN
Fully Insured - CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
Premiums$214K
Covered lives913
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#502
SMART & FINAL INC. VISION PLAN
Fully Insured - VISION SERVICE PLAN
Premiums$181K
Covered lives1,965
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans2
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 001 | SMART & FINAL 401(K) SAVINGS PLAN | 401k | $386.5M | 16,798 | 2024 | |
| 002 | SMART & FINAL PENSION PLAN | TraditionalDB | $168.9M | 3,875 | 2024 |
Welfare plans5
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 507 | SMART & FINAL SMARTCARE HEALTHCARE BENEFITS PLAN | Fully Insured | KAISER FOUNDATION HEALTH PLAN, INC. | $21.5M | 2,696 | 2025 | |
| 505 | SMART & FINAL INC. GROUP LIFE, ACCIDENT, CONTRIBUTORY AND NONCONTRIBUTORY PLANS | Fully Insured | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $852K | 2,759 | 2025 | |
| 508 | SMART & FINAL INC. LONG TERM DISABILITY PLAN | Fully Insured | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $607K | 2,763 | 2025 | |
| 501 | SMART & FINAL INC. DENTAL PLAN | Fully Insured | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $214K | 913 | 2025 | |
| 502 | SMART & FINAL INC. VISION PLAN | Fully Insured | VISION SERVICE PLAN | $181K | 1,965 | 2025 |
Retirement plans
Welfare plans