Albertsons Companies, Inc. 401(k) Review & Grade
Albertsons Companies 401(k) Plan
Pleasanton, CARetail Trade208,472 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$345Employer $ per active participant
$1,660Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$8.0BNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.9 / 5018th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 60th |
| Employee saving | 51th |
| Peers that auto-enroll | 32% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($582,433 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Albertsons Companies put in about $345 per active participant, below the typical peer ($689). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $71,851,422 |
| Participant (employee) contributions | $346,131,782 |
| Other contributions (incl. rollovers in) | $32,737,591 |
| Administrative expenses paid from the plan | $5,281,565 |
| Contract administrator fees | $17,100 |
| Investment advisory & management fees | $1,843,503 |
| Other admin expenses | $400 |
| Benefits paid out | $769,656,425 |
| Net assets, start / end of year | $7.4B / $8.0B |
| Active participants, start / end of year | 201,289 / 215,654 |
| Participants with account balances | 86,543 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $3,404,990 reported compensation |
| Strategic Advisors, Inc. | $1,557,852 reported compensation |
| NFP | $173,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103917NAL0001230179001, received 2025-10-14, EIN 47-5579477, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.