Plan Snapshot
- Plan Sponsor: Smart & Final LLC
- Sponsor EIN: 954079584
- Sponsor Address: 600 CITADEL DRIVE, CITY OF COMMERCE, CA, 90040
- Plan Type: 401(k)
- Total Participants: 9,837
- Total Assets: $386.5M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 9,837 | $386.5M | $10.4M | $29.7M |
| 2023 | 10,287 | $344.4M | $9.4M | $28.5M |
| 2022 | 11,226 | $290.1M | $9.7M | $27.6M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | RECORD KEEPER | $735,948 | — | $735,948 |
| BENEFIT FINANCIAL SERVICES GROUP | CONSULTANT | $62,276 | — | $62,276 |
| BAKER TILLY, US LLP | AUDITOR | $15,250 | — | $15,250 |
| BAKER TILLY US, LLP | Auditor | $15,250 | — | $15,250 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- TRANSAMERICA RETIREMENT SOLUTIONS — RECORD KEEPER
- BENEFIT FINANCIAL SERVICES GROUP — CONSULTANT
- BAKER TILLY US, LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $828,724
- Estimated Expense Ratio: 0.214% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $813,474 | $62,276 | — | $15,250 | — |
| 2023 | $861,265 | $89,539 | — | $33,748 | — |
| 2022 | $939,700 | $55,253 | — | — | $492 |