The Kroger Co. 401(k) Plan: Login, Facts & Contact Information
The Kroger Co. 401(k) Login
28,068 former The Kroger Co. employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
The Kroger Co. 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 13, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $704.5 million went into the plan in contributions, $277.3 million of it from the employer (39%).
- $1.08 billion was paid out to participants.
- Investment and other income added $1.39 billion.
- Administrative expenses were $3.24 million, about $22 per account.
How the The Kroger Co. 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 127,913 | $5.90 billion | $226.1 million | $476.4 million |
| 2020 | 137,604 | $7.24 billion | $256.5 million | $539.7 million |
| 2021 | 146,421 | $8.37 billion | $254.8 million | $629.9 million |
| 2022 | 138,249 | $7.31 billion | $282.5 million | $622.0 million |
| 2023 | 159,377 | $8.45 billion | $282.1 million | $608.4 million |
| 2024 | 160,358 | $11.8 billion | $277.3 million | $1.08 billion |
The Kroger Co. 401(k) Contact Information
Questions about the The Kroger Co. 401(k)
Does The Kroger Co contribute to the 401(k)?
The plan does not report an employer matching arrangement on its Form 5500. It did report $277.3 million in employer contributions for plan year 2024.
Does the The Kroger Co 401(k) have automatic enrollment?
No. The plan does not report automatic enrollment; employees enroll themselves.
How many people are in the The Kroger Co 401(k) plan?
160,358 participants at the start of plan year 2024, 380,891 of them active employees, and 28,068 former employees who still had money in the plan.
What is the average 401(k) balance at The Kroger Co?
About $78,791 per account: $11.8 billion in plan assets across 149,880 accounts with a balance at the end of plan year 2024.
Who manages the The Kroger Co 401(k) accounts?
Merrill Benefits OnLine (listed on the filing as MERRILL LYNCH, PIERCE, FENNER AND S) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at The Kroger Co. How do I access my 401(k)?
Your account stays with Merrill Benefits OnLine after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.