Department of Labor filing
Spot something wrong?The Kroger 401(k) plan
2 retirement plans combined · For the plan year ended Dec 31, 2024
Legal plan sponsor: THE KROGER CO.
Latest public filing 2024 · received Oct 13, 2025Current benefit source The Kroger Co. 401(k) Retirement Savings Account Plan — 2025 Form 11-K · dated Dec 31, 2025
Plan summary
Start with the match, vesting, and fees
Fair
This looks fair based on reviewed current plan terms. We have 4 of 7 key current terms documented. Keep checking the source links because plan rules can change.
Why: The employer contribution is documented. Vesting is not confirmed yet. Reported employer money is near the middle of its peer group.
63Benefit score
from current terms
from current terms
4/7Useful current-term coverage
documented
documented
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
For eligible employee groups, Kroger provides a safe-harbor match equal to 100% of the first 5% of plan compensation contributed.
Check the source ↓Based on the published formula. Eligibility and annual limits can change the amount.
Vesting decides how much employer money you keep if you leave before staying long enough.
The key document is the participant fee disclosure, especially fund expense ratios and account charges.
Participants direct their balances among the investment funds offered by the plan.
For the safe-harbor match and automatic employer contribution described in the filing, eligible participants generally must be age 18 and complete one year and 1,000 hours of service.
Automatic enrollment and auto-increase features usually help more employees save consistently.
Available. The plan accepts Roth 401(k) contributions as well as pre-tax contributions.
Down 5.5% over the filing history shown.
Participation up 3.9% · assets up 23.8% · loans 1.1% of assets
Current terms to confirm: vesting, employee fees, automatic enrollment
These details are often kept in employee-only plan documents. We show them when there is a dated source clear enough to trust.
Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.
Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. The documents supporting the current terms are linked below.
Need the raw filing detail?
The key takeaways are above. Open the full record when you want every number and source note.
The short version
What employees should know
For the year ended Dec 31, 2024, THE KROGER CO. reported $277,314,000 in employer contributions across its retirement plans, or $728 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 3.9% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Money and scale
Contributions, assets, and expenses
These totals combine every public plan record tied to this employer. They are not individual account balances.
- Employer contributions
- $277,314,000 $728 per active participant
- Participant contributions
- $392,246,000
- Other contributions
- $34,987,000 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 39.4%
- Active participants
- 380,891 Very large plan
- Total participants
- 411,922 160,358 at the beginning of the year
- Ending assets
- $11,809,161,000 $28,668 per participant
- Net-asset change
- Up 23.8% Not the same as investment performance
- Beginning net assets
- $8,445,035,000
- Ending net assets
- $11,808,757,000
- Beginning liabilities
- $50,000
- Ending liabilities
- $404,000
- Total income
- $2,093,394,000
- Total expenses
- $1,080,055,000
- Administrative expenses
- $3,242,000 $8 per active participant
- Participant loans
- $132,844,000 1.1% of plan assets
Three-year filing history
How the reported figures changed
These charts combine the employer’s public plans by filing year. Missing values remain blank rather than becoming zero.
2022
$771
2023
$728
2024
$728
2022
$11
2023
$10
2024
$8
2022
366,549
2023
387,303
2024
380,891
2022
$9,537,800,000
2023
$10,744,676,000
2024
$11,809,161,000
2022
1.2%
2023
1.2%
2024
1.1%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2024 | $728 | 380,891 | 11.8B |
| 2023 | $728 | 387,303 | 10.7B |
| 2022 | $771 | 366,549 | 9.5B |
Changes in plan assets are not the same as investment performance.
Plan health
Loans, late deposits, and other filing disclosures
- Participant loans as a share of plan assets
- 1.1%
- Independent accountant’s opinion
- Unqualified opinion Code 1
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- 0
- Lease defaults reported
- 0Only a small number of filings report these events.
- Nonexempt transactions reported
- 0
- Public plan identifier
- 310345740-010
Insurance and supporting schedules
Additional arrangements reported
These disclosures add context. They should not be read as a score or a judgment on their own.
- Additional paid service providers
- 2$2,722,791 in separately reported direct compensation
- Pooled investment entities
- 1$9,953,808,000 reported at year end
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- Single-employer plan
- Plan effective date
- Jan 1, 2007
- Industry
- Retail trade
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2T2O
All plans from this employer
2 public plan records roll up to this profile
The employer totals above combine these records by year. Open an individual plan for its own filing details.
Current plan terms
What the source documents say
Each item below comes from the dated source linked in this section. Anything the source does not establish is left blank.
- Employer contribution
- For eligible employee groups, Kroger provides a safe-harbor match equal to 100% of the first 5% of plan compensation contributed. It may also provide an automatic employer contribution of 1% or 2% of pay based on service. Union, subsidiary, and location rules can differ.
- Eligibility
- For the safe-harbor match and automatic employer contribution described in the filing, eligible participants generally must be age 18 and complete one year and 1,000 hours of service. Collective-bargaining and subsidiary rules can differ.
- Investment information
- Participants direct their balances among the investment funds offered by the plan.
- Roth contributions
- Available. The plan accepts Roth 401(k) contributions as well as pre-tax contributions.
Not covered by the source: 3 items
vesting, automatic enrollment, participant fees. Check the latest summary plan description or enrollment materials for these details.
Source: The Kroger Co. 401(k) Retirement Savings Account Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Quick answers
The Kroger 401(k) questions
What is The Kroger's 401(k) match?
The reviewed current source says: For eligible employee groups, Kroger provides a safe-harbor match equal to 100% of the first 5% of plan compensation contributed. It may also provide an automatic employer contribution of 1% or 2% of pay based on service. Union, subsidiary, and location rules can differ.
How much employer money did The Kroger report adding?
For 2024, the selected filing reports $277,314,000 in employer contributions, or $728 per active participant. This is a plan-level historical figure, not a personal match quote.
What is The Kroger's 401(k) vesting schedule?
We have not verified the current vesting schedule yet. Ask for the latest SPD or benefits guide before counting employer money as fully yours.
What are The Kroger's 401(k) fees?
The 2024 filing reports $8 in administrative cost per active participant. Fund expenses and employee-level charges may require a current fee disclosure.
Can I use this page to compare The Kroger with another job offer?
Yes, as a starting point. Compare the documented match, vesting, eligibility, fees, investments, and the filing history, then confirm the current terms before assigning a dollar value to an offer.
Source evidence
What recent SEC filings may add
These snippets come from official SEC filings connected to the employer. They are useful clues, but we keep them separate from fully reviewed current plan terms.
Fees
Receivables: Employer contributions 73,443 74,000 Notes receivable from participants 157,103 132,844 230,546 206,844 Total assets 13,078,398 11,809,161 Liabilities: Administrative fees payable 342 404 Net assets available for benefits $ 13,078,056 $ 11,808,757 See accompa…
Filing ACK_IDEMPLOYER-2024
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗