Petsmart LLC
Updated Filing received by DOL a plan year 2025 filing was received July 23, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Petsmart LLC, a retail — general merchandise, sporting goods employer in Phoenix, Arizona, reported 42,804 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $3.9M in insurance premiums across 38 contracts and $2.2M in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 1, 2025, within the extension window.
Who was paid on Petsmart LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Petsmart LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hewitt Ins Brokerage LLC. · Lincolnshire, IL | $1,458,327 | $31,287 | $1,489,614 | 9 |
| Aon · Chicago, IL | $539,796 | $41,972 | $581,768 | 27 |
| Alight Solutions · Chicago, IL | $0 | $60,414 | $60,414 | 3 |
| Hewitt Insurance Brokerage · Chicago, IL | $9,518 | $5,042 | $14,560 | 2 |
| Jennifer N Buck · Pecatonica, IL | $6,220 | $0 | $6,220 | 1 |
| Jennifer Buck · Pecatonica, IL | $1,271 | $0 | $1,271 | 1 |
| Agent Jennifer Buck · Pecatonica, IL | $109 | $0 | $109 | 1 |
| James R. Nelligan & Associates LLC · Wall, NJ | $0 | $0 | $0 | 1 |
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 38 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 Petsmart LLC 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.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $5,288 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 | 45,444 | 42,804 | −5.8% |
| Premiums filed | $0 | $3,893,717 | not comparable |
| Broker commissions + fees | $94,577 | $2,153,866 | +2177.4% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Petsmart Smartchoices Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 1, 2025 | within extension | 42,804 |
| Petsmart Benefit Plan for Work-Related Injuries#502 · general assets | July 31, 2025 | February 19, 2026 | before deadline | 4,274 |
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 Petsmart LLC pay in health insurance broker commissions in 2024?
Petsmart LLC's 2024 Form 5500 reports $2,153,866 in broker commissions and fees across 38 insurance contracts ($2,015,241 in commissions, $138,625 in fees), with Hewitt Ins Brokerage LLC. receiving the largest share.
Is Petsmart LLC'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., Medical Mutual, Kaiser Foundation Health Plan of Washington Options, Inc..
How does Petsmart LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Petsmart LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.