Autozone, Inc.
Updated Filing received by DOL
Autozone, Inc., a management of companies employer in Memphis, Tennessee, reported 98,933 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $14M in insurance premiums across 18 contracts and $2.1M in broker commissions and fees, 5.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 15, 2025, within the extension window.
Who was paid on Autozone, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Autozone, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Memphis, TN | $614,158 | $194,611 | $808,769 | 2 |
| Hodges-Mace Benefits Group Inc · Atlanta, GA | $202,964 | $523,191 | $726,155 | 6 |
| Aon · Chicago, IL | $286,418 | $0 | $286,418 | 4 |
| Edwin W Barnett · Memphis, TN | $70,522 | $11,298 | $81,820 | 3 |
| Alight Solutions · Chicago, IL | $0 | $76,782 | $76,782 | 1 |
| Benefitstore Inc · Charleston, SC | $45,635 | $2,296 | $47,931 | 3 |
| Hodge-Mace Benefits GRP Inc · Atlanta, GA | $29,498 | $0 | $29,498 | 3 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental of Tennesseedental | 37,365 | $8.8M | — | — |
| Vision Service Planvision | 19,794 | $3.8M | $190,911 | 5.0% |
| Triple-S Salud, Inchealth, dental, prescription drug, PPO | 322 | $1.6M | $82,362 | 5.0% |
| Combined Insurance Company of Americacoverage not coded · amount flagged as implausible, excluded | 105,768 | — | — | — |
| Cigna Health and Life Insurance Companyhealth, dental | 3 | — | — | — |
| Metropolitan Life Insurance Companylife | 66,557 | — | $885,551 | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 514 | — | — | — |
| Unum Insurance Companycoverage not coded | 15,103 | — | $381,793 | — |
| Continental American Insurance Companylife · amount flagged as implausible, excluded | 13 | — | — | — |
| Cigna Health and Life Insurance Companycoverage not coded | 1 | — | — | — |
| Life Insurance Company of North Americalong-term disability · amount flagged as implausible, excluded | 62,974 | — | — | — |
| Kaiser Foundation Health Plan Inchealth, prescription drug, HMO | 886 | — | — | — |
| Triple-S Vida, Inclong-term disability | 437 | — | $9,106 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 69 | — | — | — |
| Unum Insurance Companycoverage not coded | 12,068 | — | $289,128 | — |
| Unum Insurance Companycoverage not coded | 17,853 | — | $214,483 | — |
| Triple-S Vida, Incshort-term disability | 437 | — | $4,039 | — |
| Combined Insurance Companycoverage not coded · amount flagged as implausible, excluded | 6,650 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Autozone, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $5,116 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 58,845 | 98,933 | +68.1% |
| Premiums filed | $14,227,628 | $14,229,947 | +0.0% |
| Broker commissions + fees | $3,929,769 | $2,057,373 | −47.6% |
| Commission rate | 5.0% | 5.0% | +0.0 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Autozone, Inc, Welfare Benefit Plan#550 · insurance, general assets | December 31, 2024 | October 15, 2025 | within extension | 98,933 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Autozone, Inc. pay in health insurance broker commissions in 2024?
Autozone, Inc.'s 2024 Form 5500 reports $2,057,373 in broker commissions and fees across 18 insurance contracts ($1,249,195 in commissions, $808,178 in fees), with HUB International receiving the largest share.
Is Autozone, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Triple-S Salud, Inc, Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan Inc..
How does Autozone, Inc.'s broker compensation compare with similar employers?
Autozone, Inc. paid 5.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Tennessee is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.