Costco Wholesale Corporation
Updated Filing received by DOL
Costco Wholesale Corporation, a retail — general merchandise, sporting goods employer in Issaquah, Washington, reported 217,327 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $33M in insurance premiums across 10 contracts and $177,109 in broker commissions and fees, 0.0% 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 an amended filing on June 15, 2026; the original filing date is not in the public dataset.
Who was paid on Costco Wholesale Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Costco Wholesale Corporation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · Seattle, WA | $176,592 | $0 | $176,592 | 5 |
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 |
|---|---|---|---|---|
| Hawaii Medical Service Associationhealth, HMO | 4,494 | $24M | — | — |
| Triple S Salud Inchealth, dental, prescription drug, PPO | 1,283 | $8.3M | — | — |
| Hartford Life and Accidentcoverage not coded | 20,760 | — | — | — |
| Provident Life and Accident Insurance Companylong-term disability | 5 | — | $7,622 | — |
| Aetna Internationalcoverage not coded | 640 | — | — | — |
| Unum Life Insurance Company of Americashort-term disability | 2,693 | — | $26,567 | — |
| Unum Life Insurance Company of Americashort-term disability | 6,063 | — | $71,361 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability · amount flagged as implausible, excluded | 213,656 | — | — | — |
| First Unum Life Insurance Companycoverage not coded | 6,502 | — | $71,559 | — |
| Unum Life Insurance Company of Americalife · amount flagged as implausible, excluded | 100,018 | — | — | — |
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 Costco Wholesale Corporation 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: $5,655 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 | 206,196 | 217,327 | +5.4% |
| Premiums filed | $29,946,440 | $32,668,880 | +9.1% |
| Broker commissions + fees | $172,276 | $177,109 | +2.8% |
| Commission rate | 0.0% | 0.0% | +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 |
|---|---|---|---|---|
| Costco Wholesale Corporation Employee Benefits Program Ii#501 · amended · insurance, general assets | August 31, 2025 | June 15, 2026 | amended filing; original date not in data | 217,327 |
| Costco Employee Benefits Program#510 · amended · general assets | August 31, 2025 | June 15, 2026 | amended filing; original date not in data | 192,501 |
| Costco Wholesale Corporation Texas Injury Benefit Plan#513 · general assets | August 31, 2025 | January 15, 2026 | before deadline | 11,775 |
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 Costco Wholesale Corporation pay in health insurance broker commissions in 2024?
Costco Wholesale Corporation's 2024 Form 5500 reports $177,109 in broker commissions and fees across 10 insurance contracts ($177,109 in commissions, $0 in fees), with AssuredPartners receiving the largest share.
Is Costco Wholesale Corporation'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 Hawaii Medical Service Association, Triple S Salud Inc.
How does Costco Wholesale Corporation's broker compensation compare with similar employers?
Costco Wholesale Corporation paid 0.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Washington is 1.3%. 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.