Department of Labor filing

THE KROGER CO.

THE KROGER CO. 401(K) RETIREMENT SAVINGS ACCOUNT PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Oct 13, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

68filing comparison
out of 100

The filing looks somewhat better than typical peers on the measures we can compare. This is a filing comparison, not a complete benefits score.

$Employer support

$728

Reported employer contributions per active participant.

Higher than about 69% of comparable plans

#People in the filing

380,891

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$20 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 66% of comparable plans

↗Investment performance

Not available

Plan assets changed 39.8%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202468out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions69th percentileTypical peer $473 · based on 87 comparable plans

Lower reported administrative expense66th percentileTypical peer $27 · based on 90 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, THE KROGER CO. reported $277,314,000 in employer contributions across the plan and 380,891 active participants. That works out to $728 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy92%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendDown 66.6%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 39.1%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context68/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $277,314,000
Participant contributions: $392,246,000
Other contributions: $34,987,000
Employer share of reported contributions: 41.4%
Beginning assets: $8,445,085,000
Ending assets: $11,809,161,000
Ending net assets: $11,808,757,000
Ending liabilities: $404,000
Total income: $2,093,394,000
Total expenses: $1,080,055,000
Administrative expenses: $3,242,000
Participant loans: $132,844,000

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,177

2023

$2,084

2024

$728

Plan-paid administrative expenses per participant

2022

$15

2023

$11

2024

$20

Active participants

2022

129,769

2023

135,373

2024

380,891

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$728	380,891	11.8B	20251013091809NAL0000917441001
2023	$2,084	135,373	8.4B	20241004152610NAL0005794819001
2022	$2,177	129,769	7.3B	20231005072210NAL0042533954001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.1%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 310345740-010

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

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Filing ACK_ID20251013091809NAL0000917441001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗