Industry · Form 5500 business code 445110
Supermarkets and Other Grocery (except Convenience) Stores: retirement plans
Plans whose sponsor entered this principal business activity code on Form 5500.
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. The business code is chosen by the filer from the list in the Form 5500 instructions.
For plan year 2024, 461 retirement plans in supermarkets and other grocery (except convenience) stores with 100 or more participants filed Form 5500: 396 defined contribution and 65 defined benefit. They reported 4,468,116 participant records and $134.2B in net assets, counting every plan on the form.
The median defined contribution plan held $24,774 per participant, well below the national median of $53,031, and its employer put in $722 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $74.41 per participant against $123 nationally.
Employers contributed $2.91B and participants $3.25B during the year, and the plans paid out $14.2B in benefits.
In 2009 the same group numbered 650 plans with $62.2B; by 2024 it was 461 plans (down 29%) and $134.2B (up 116%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Medians compared with all US plans
| Median plan, plan year 2024 | Industry: DC | US: DC | Industry: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $24,774 | $53,031 | $29,277 | $86,234 |
| Employer contributions per active participant | $722 | $2,174 | $2,030 | $10,244 |
| Schedule C compensation per participant | $74.41 | $123 | $133 | $344 |
| Schedule C compensation, share of net assets | 0.33% | 0.26% | 0.55% | 0.42% |
| Administrative expenses per participant | $70.97 | $116 | $219 | $527 |
Medians across plans with 100 or more participants (384 DC and 64 DB plans with a Schedule H here). Fee medians cover plans reporting an amount. DC: defined contribution, such as 401(k) and 403(b). DB: defined benefit pension.
Distribution of DC plans
| Measure | 25th percentile | Median | 75th percentile | Plans |
|---|---|---|---|---|
| Net assets per participant | $14,248 | $24,774 | $43,788 | 384 |
| Employer contributions per active participant | $296 | $722 | $1,482 | 353 |
| Schedule C compensation per participant | $37.18 | $74.41 | $151 | 328 |
| Administrative expenses per participant | $26.39 | $70.97 | $141 | 356 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2025partial | 57 | 202,930 | $9.70B | $268M | $229M | $28,113 | $94.69 |
| 2024 | 461 | 4,468,116 | $134.2B | $2.91B | $3.25B | $24,774 | $74.41 |
| 2023 | 480 | 4,459,589 | $126.6B | $2.90B | $3.02B | $24,152 | $71.37 |
| 2022 | 574 | 4,395,264 | $114.3B | $2.84B | $3.00B | $19,468 | $71.54 |
| 2021 | 577 | 4,151,790 | $126.3B | $3.22B | $2.82B | $23,240 | $72.49 |
| 2020 | 581 | 4,131,042 | $116.8B | $3.36B | $2.62B | $20,778 | $64.19 |
| 2019 | 574 | 4,017,922 | $103.3B | $2.72B | $2.39B | $18,531 | $59.59 |
| 2018 | 562 | 3,878,478 | $95.3B | $2.23B | $2.23B | $15,804 | $56.96 |
| 2017 | 559 | 3,826,681 | $99.1B | $2.77B | $2.07B | $16,838 | $49.57 |
| 2016 | 573 | 3,864,151 | $93.8B | $3.47B | $1.97B | $14,482 | $42.96 |
| 2015 | 574 | 3,732,226 | $91.2B | $2.33B | $1.86B | $14,049 | $42.41 |
| 2014 | 577 | 3,628,200 | $88.0B | $1.84B | $1.71B | $14,805 | $39.89 |
| 2013 | 587 | 3,563,926 | $82.8B | $2.17B | $1.55B | $14,433 | $33.87 |
| 2012 | 602 | 3,606,239 | $75.6B | $3.36B | $1.52B | $12,701 | $30.37 |
| 2011 | 618 | 3,433,994 | $69.7B | $2.12B | $1.43B | $11,420 | $29.24 |
| 2010 | 629 | 3,426,693 | $66.3B | $1.91B | $1.35B | $11,737 | $29.03 |
| 2009 | 650 | 3,547,013 | $62.2B | $1.80B | $1.39B | $10,427 | $21.96 |
Plan year is the year in which the plan year began. The drop in large plans from 2023 follows a rule change: the 100-participant line now counts participants with account balances, so many plans moved to the short form.
Provider share
Service provider organisations named most often on the Schedule C of the 464 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 464 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| The Kroger Co. 401(k) Retirement Savings Account Plan | The Kroger Co. | OH | DC | 411,922 | $11.8B | $28,667 | $728 | $6.61 |
| UFCW Consolidated Pension Fund | BD of Trustees UFCW Consolidated Pension Fund | GA | DB | 347,574 | $5.53B | $15,921 | $365 | $73.60 |
| Publix Super Markets, Inc. 401(k) Smart Plan | Publix Super Markets, Inc. | FL | DC | 239,138 | $8.06B | $33,687 | $239 | $12.19 |
| Albertsons Companies 401(k) Plan | Albertsons Companies, Inc. | CA | DC | 236,172 | $8.03B | $34,010 | $333 | $21.97 |
| Publix Super Markets, Inc. Employee Stock Ownership Plan & Trust | Publix Super Markets, Inc. | FL | DC | 214,426 | $14.3B | $66,626 | — | — |
| Southern California UFCW Unions and Food Employers Joint Pension Trust Fund | Board of Trustees, So Ca UFCW Unions & Food Employers | CA | DB | 199,927 | $6.49B | $32,464 | $5,496 | $93.29 |
| UFCW No. California Employers Joint Pension Plan | Board of Trustees, UFCW No. California Employers Joint Pension Plan | CA | DB | 130,691 | $2.89B | $22,133 | $5,150 | $132 |
| H-E-B Partner Stock Plan | H.e.butt Grocery Company | TX | DC | 126,964 | $1.56B | $12,308 | $1,186 | — |
| H-E-B Savings & Retirement Plan | H.e.butt Grocery Company | TX | DC | 122,477 | $4.33B | $35,357 | $1,247 | $31.43 |
| Whole Foods Market Growing Your Future 401(k) Plan | Whole Foods Market, Inc. | TX | DC | 117,275 | $2.44B | $20,769 | $551 | $35.56 |
| Sound Retirement Trust | Board of Trustees, Sound Retirement Trust | WA | DB | 107,493 | $2.56B | $23,826 | $1,180 | $93.17 |
| Sound Variable Annuity Pension Trust | Board of Trustees, Sound Variable Annuity | WA | DB | 102,120 | $140M | $1,372 | $426 | $27.79 |
| Food Lion 401(k) Plan | Food Lion, LLC | NC | DC | 86,247 | $1.27B | $14,697 | $501 | $16.44 |
| Ahold USA, Inc. 401(k) Savings Plan for Union Associates | Ahold USA, Inc. | MA | DC | 79,282 | $910M | $11,481 | $5 | $8.48 |
| The Hy-Vee and Affiliates 401(k) Plan | Hy-Vee, Inc. | IA | DC | 75,634 | $3.11B | $41,098 | $684 | $45.28 |
| Aldi Inc. Retirement Savings Plan | Aldi Inc. | IL | DC | 68,605 | $2.06B | $30,081 | $1,457 | $31.07 |
| Rocky Mountain UFCW Unions and Employers Retail and Meat Pension Plan | Trustees of the Rocky Mountain UFCW Pension Plan C/o Zenith American S | CO | DB | 68,000 | $1.29B | $18,938 | $1,150 | $78.83 |
| The Wegmans Retirement Plans | Wegmans Food Markets Inc. | NY | DC | 66,626 | $3.98B | $59,699 | $1,579 | $7.11 |
| UFCW No. California Food Employers Joint Individual Account Plan | Board of Trustees UFCW No. California Food Employers Joint Ind Account | CA | DC | 58,508 | $267M | $4,558 | $423 | $39.08 |
| Oregon Retail Employees Pension Plan | Board of Trustees, Oregon Retail Employees Pension | OR | DB | 56,361 | $1.06B | $18,862 | $1,559 | $66.50 |
| Desert States Employers & UFCW Unions Pension Plan | Board of Trustees, Desert States Employers & UFCW | AZ | DB | 55,607 | $1.04B | $18,617 | $1,263 | $81.25 |
| UFCW International Union-Industry Variable Annuity Pension Plan | Trustees of the UFCW International Union - Industry Variable Annuity P | IL | DB | 51,639 | $300M | $5,806 | $1,763 | $86.23 |
| Meijer 401(k) Retirement Plan II | Meijer, Inc. | MI | DC | 46,836 | $660M | $14,095 | $705 | — |
| Harris Teeter Supermarkets, Inc. Retirement and Savings Plan | Harris Teeter Supermarkets, Inc. | NC | DC | 45,556 | $1.41B | $30,871 | $1,180 | $29.68 |
| The Giant Company 401(k) Plan | The Giant Company LLC | PA | DC | 41,115 | $992M | $24,116 | $620 | $15.86 |
| Meijer 401(k) Retirement Plan I | Meijer, Inc. | MI | DC | 39,862 | $1.62B | $40,726 | $1,467 | — |
| Winco Foods 401(k) Plan | Winco Holdings, Inc. | ID | DC | 34,166 | $289M | $8,471 | — | $30.98 |
| Hannaford Bros. Co. 401(k) Plan | Hannaford Bros. Co., LLC | ME | DC | 31,435 | $1.10B | $34,889 | $839 | $15.38 |
| UFCW Local 1500 Pension Plan | Board of Trustees U.F.C.W. Local 1500 Pension Fund | NY | DB | 31,393 | $946M | $30,142 | $4,334 | $126 |
| UFCW Union & Partcipating Food Industry Employers Tri-State Pension Fund | UFCW Union & Participating Food Industry Employers Tri-State Pension F | PA | DB | 29,592 | $869M | $29,370 | $1,686 | $90.26 |
| Winco Employee Stock Ownership Plan | Winco Holdings, Inc. | ID | DC | 27,111 | $5.05B | $186,097 | $1,497 | $3.42 |
| Southeastern Grocers 401(k) Savings Plan | Southeastern Grocers LLC | FL | DC | 26,265 | $941M | $35,836 | $502 | $33.33 |
| UFCW Local 1262 & Employers Pension Fund | Trustees UFCW Local 1262 Pension Fund | NJ | DB | 25,701 | $999M | $38,856 | $5,637 | $163 |
| Retail Food Employers & UFCW Local 711 Pension | Board of Trustees Retail Food Employers & UFCW Local 711 Pension | UT | DB | 23,475 | $366M | $15,601 | $2,432 | $126 |
| Weis Markets, Inc. Retirement Savings Plan | Weis Markets, Inc. | PA | DC | 22,404 | $304M | $13,567 | $284 | $47.23 |
| Pension Plan of Local 464A | Pension Plan of Local 464A | NJ | DB | 22,307 | $1.44B | $64,653 | $1,350 | $179 |
| Demoulas (Restated) Profit Sharing Plan & Trust | Demoulas Super Markets, Inc. | MA | DC | 20,107 | $1.24B | $61,495 | $6,449 | $200 |
| Raley's 401(k) Retirement Savings Plan | Raley's | CA | DC | 19,789 | $640M | $32,326 | $523 | $42.71 |
| Houchens Industries, Inc. Employee Stock Ownership Plan | Houchens Industries, Inc. | KY | DC | 19,746 | $2.23B | $112,752 | $5,396 | — |
| Northeast Grocery 401(k) Plan | Northeast Grocery, Inc. | NY | DC | 19,402 | $553M | $28,485 | $839 | $21.61 |
By plan size
By state
Questions and answers
How many retirement plans are there in supermarkets and other grocery (except convenience) stores?
461 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 547 pension plans on the full form. Smaller plans file Form 5500-SF and are counted separately where shown.
What is the typical 401(k) balance in supermarkets and other grocery (except convenience) stores?
The median defined contribution plan reported $24,774 in net assets per participant (middle half of plans: $14,248 to $43,788); nationally it was $53,031. This is a plan-level average that includes former employees, not a typical person's balance.
What do employers contribute in supermarkets and other grocery (except convenience) stores?
The median defined contribution plan received $722 in employer contributions per active participant, against $2,174 nationally. Plans with no employer contribution are included at zero.
What are average 401(k) fees in supermarkets and other grocery (except convenience) stores?
Among defined contribution plans that report any Schedule C compensation, the median was $74.41 per participant and 0.33% of net assets (nationally $123 and 0.26%). Schedule C leaves out fund expense ratios and fees the employer pays, so it understates total cost.
Where does this come from?
Form 5500 annual reports in the EBSA research files, with filings received through 24 Aug 2026. Medians are computed by this site across plans with 100 or more participants.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Totals count every pension plan on the full form; medians and the plan list cover plans with 100 or more participants. See the methodology.