Kroger 401(K): Signup, Login, & Access Benefits 2025

As a Kroger employee or retiree, understanding the importance of managing your Kroger 401(k) savings plan is crucial for a successful financial future. In this article, we guide you on how to register, log in, and access your 401(k) benefits at Kroger.

Read More: Kroger Employee Discounts: Up to 40%—Fact or Fiction?

How to Sign Up for Kroger 401(k) Retirement Plan

Follow these steps to enroll the Kroger 401(k) Plan Registration Process:

Eligibility Requirements:

  • Applicant must be at least 21 years of age to register .
  • The applicant must have worked at Kroger or any of its family stores for at least 90 days of service.

Steps to Sign Up:

  • Go to the Merrill Lynch Benefits Portal.
  • Click on Register as a new user.
  • Enter Employee information, such as Social Security Number and date of birth.
  • Enter contribution percentage (up to 75% of pay; subject to IRS limits).
  • Select your investment options or use the plan’s Retirement Date Fund by default.

What Are the Steps to Login Kroger Co. 401(k) Plan Online

Access your account to check contribution balances and make changes:

Website: benefits.ml.com.

Login Details:

  • Use your username and password.
  • If applicable, utilize the “forgot login” option.
  • For assistance, call customer service at 1-800-257-6437.

How Do Kroger Employees Access and Utilize Their 401(k) Retirement Benefits

Account Management:

  • Update percentages of contributions.
  • Alter investment choices.
  • Monitor account balance.

Investment Options:

  • Default is a Retirement Date Fund, or select a custom fund.

Withdrawals:

  • In-Service Withdrawal: Available to any employee who is age 59½ or older.
  • Hardship Withdrawals: Available under emergency situations, with certain restrictions.

What is the Kroger 401(k) Plan?

Kroger 401k plan also called as Kroger Company Savings Plan, is managed through the Merrill Lynch, and provides various benefits like company-matching contributions and tax benefits that will encourage employees to save for retirement. This plan covers 222,865 employees.

For Kroger 401(k) options, there are choices one can make.

  • Keep it with Merrill Lynch.
  • Roll into any IRA of your choice.
  • Transfer it to another new 401(k).
  • Withdraw money from it (but this will attract taxes and penalties if before retirement age).

The above plans provide flexibility and offer a safe way for employees to grow their retirement savings.

Kroger 401(k) Merrill Lynch Features and Details

FeatureDetails
Kroger Company Match100% match on the first 3% of pay + 50% match on the next 2%.
Catch-Up ContributionsAdditional $6,500 annually for employees aged 50 or older.
Automatic Contributions1% to 2% of pay based on years of service, up to $2,000 per year.
Loan OptionsAvailable for financial hardships.
RolloversTransfer funds from previous 401(k) accounts to your Kroger plan.

What Are the Kroger 401(k) Retirement Savings Account Contribution Limits for 2025?

CategoryLimit
Employee Contribution$22,500
Catch-Up ContributionAdditional $6,500
Total Contributions$66,000 (includes match)

How to Contact Kroger 401(k) Support for Assistance?

ServiceDetails
Websitewww.benefits.ml.com
Customer Support1-800-257-6437
HoursMon-Fri, 9 AM to 9 PM EST
Mailing AddressP.O. Box 29002, Hot Springs, AR 71903-9002

Final Note:

Kroger’s 401k plan is a valuable tool for Kroger employees to improve retirement savings along with company contributions, matching and automatic deposits. The article above explains the registration process and how to access plan benefits clearly. Don’t wait, secure your future today! Visit benefits.ml.com to explore your Kroger 401(k) options. If you have any questions about the registration or sign-in process, feel free to ask.

Frequently Asked Questions

Does Kroger offer 401(k) for part-time employees?

Yes, part-time employees are eligible for Kroger 401(k) plan, only if they meet requirements like 21 years of age and 90 days of service.

What is the Kroger 401(k) plan Merrill Lynch phone number?

Merrill Lynch phone number is 1-800-257-6437 for any doubts and concerns with you can contact with Kroger 401(k) account.

How much does Kroger match on the 401(k)?

Kroger matches 100% of the first 3% of your pay and 50% of the next 2%, gaining a potential total matching of 4%.

How do I access my 401(k) after leaving my job or retiring?

You can access or withdraw the amount by logging into benefits.ml.com or contact Merrill Lynch at 1-800-257-6437. You can also roll the account to IRA or different employer’s plan.

Can I access my 401(k) anytime?

Yes, You can access your 401(k) account online anytime, however penalty or tax include withdrawing before the age of 59½, usually unless if any emergency.

Which 401(k) plan does Kroger have?

Kroger maintains The Kroger Co. Savings Plan, headed by Merrill Lynch; matching contributions are offered for those plans, along with a variety of different investment options.

Reference:

For More Details Check out Kroger SHN PDF: https://www.benefits.ml.com/ATGDocs/Production/contentRepository/Public/BOL0036111/Kroger_SHN.pdf

Official Kroger employee portal for accessing benefits, resources, and updates: https://www.mylifeatkroger.com/public/welcome

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