Home Depot USA, Inc.
Updated Filing received by DOL a plan year 2025 filing was received July 28, 2026 for 1 of this employer's 3 plans; this record moves to 2025 when all have arrived
Home Depot USA, Inc., a retail — stores, food, auto, clothing employer in Atlanta, Georgia, reported 386,769 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $8.0M in insurance premiums across 37 contracts and $1.7M 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 the filing on November 13, 2025, within the extension window.
Who was paid on Home Depot USA, 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 Home Depot USA, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $773,251 | $948,160 | $1,721,411 | 8 |
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
The 24 largest of 37 contracts reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
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 Home Depot USA, 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: $4,929 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 | 412,232 | 386,769 | −6.2% |
| Premiums filed | $6,247,582 | $7,950,613 | +27.3% |
| Broker commissions + fees | $1,709,063 | $1,721,411 | +0.7% |
| 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 |
|---|---|---|---|---|
| The Home Depot Group Benefits Plan#501 · insurance, general assets | January 31, 2025 | November 13, 2025 | within extension | 386,769 |
| Home Depot Texas Employee Accident Plan#509 · general assets | December 31, 2024 | October 7, 2025 | within extension | 37,148 |
| Home Depot Retiree Medical Plan#527 · insurance | January 31, 2025 | November 13, 2025 | within extension | 102 |
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 Home Depot USA, Inc. pay in health insurance broker commissions in 2024?
Home Depot USA, Inc.'s 2024 Form 5500 reports $1,721,411 in broker commissions and fees across 37 insurance contracts ($773,251 in commissions, $948,160 in fees), with Willis Towers Watson receiving the largest share.
Is Home Depot USA, 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, HMSA.
How does Home Depot USA, Inc.'s broker compensation compare with similar employers?
Home Depot USA, Inc. 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 Georgia is 7.0%. 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.