Retail — stores, food, auto, clothing employer health plans: what they cost and who gets paid
3,023 Retail — stores, food, auto, clothing employers filed health plans with 100 or more participants for plan year 2024, covering 6,174,564 participants. They reported $1.3B in insurance premiums and $324M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.0% of premium, 0.3 points above the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
| Employer | City | Broker pay | Rate |
|---|---|---|---|
| 7-Eleven, Inc | Irving, TX | $3,640,268 | — |
| Starbucks Corporation | Seattle, WA | $3,315,756 | — |
| Lowes Companies Inc | Mooresville, NC | $2,465,326 | — |
| Hy-Vee, Inc. | West Des Moines, IA | $2,176,098 | — |
| Tapestry, Inc. | New York, NY | $2,070,489 | — |
| Asbury Automotive Group, LLC | Duluth, GA | $1,858,145 | — |
| Group 1 Automotive, Inc. | Houston, TX | $1,804,431 | — |
| CVS Pharmacy, Inc | Woonsocket, RI | $1,752,356 | 5.0% |
| Home Depot USA, Inc. | Atlanta, GA | $1,721,411 | 0.0% |
| Harris Teeter Supermarkets, Inc. | Matthews, NC | $1,673,973 | — |
| Mattress Firm Inc. | Houston, TX | $1,627,656 | — |
| Walgreen Co. | Deerfield, IL | $1,587,152 | — |
| The TJX Companies, Inc. | Framingham, MA | $1,571,063 | — |
| Albertsons LLC | Boise, ID | $1,518,999 | — |
| Winn-Dixie Stores, Inc. | Jacksonville, FL | $1,186,928 | — |
| G&S Holdings, LLC | Jackson, MS | $1,183,332 | — |
| Tractor Supply Company | Brentwood, TN | $1,163,533 | — |
| Sprouts Farmers Markets Holdings, LLC | Phoenix, AZ | $1,118,467 | — |
| Builders Firstsource, Inc. | Irving, TX | $1,116,065 | — |
| Toyota of Orange, Inc. | Orange, CA | $1,037,247 | 6.7% |
| Best Buy Co., Inc. | Richfield, MN | $1,021,451 | — |
| Findlay Management Group - Nevada, Arizona, Utah, Idaho, Washington | Henderson, NV | $1,018,064 | — |
| Eyecare Partners, LLC | Ballwin, MO | $980,911 | — |
| Sonic Automotive Inc. | Charlotte, NC | $960,735 | — |
| Lululemon Athletica USA | , | $952,499 | — |
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Semersky Enterprises Inc | Highland Park, IL | 31.3% | $217,684 |
| Bartow Ford Company | Bartow, FL | 21.9% | $383,058 |
| Supermercados MR Special Inc | Mayaguez, PR | 14.3% | $293,378 |
| Mashburn, LLC | Atlanta, GA | 12.5% | $76,518 |
| Helms Bros, Inc. | Bayside, NY | 12.3% | $110,089 |
| RPCS, Inc. | Rogersville, MO | 10.4% | $193,827 |
| Safeway Enterprises, LLC | Bridgewater, NJ | 10.2% | $114,113 |
| Laird Noller Ford, Inc | Topeka, KS | 9.6% | $78,207 |
| Nuloom LLC | Cranbury, NJ | 9.2% | $224,506 |
| Rugs USA LLC | Cranbury, NJ | 9.2% | $224,506 |
| Preston Automotive Group | Preston, MD | 8.1% | $162,416 |
| Zamora Automotive Inc | Mesa, AZ | 8.0% | $73,654 |
| Lorenzo Enterprises Corp | Homestead, FL | 7.6% | $50,650 |
| Nebraska New Car & Truck Dealers Association Group Health Plan Board | Lincoln, NE | 7.6% | $259,234 |
| Benson Nissan, Inc | Spartanburg, SC | 6.8% | $38,777 |
| Toyota of Orange, Inc. | Orange, CA | 6.7% | $177,916 |
| SG Chevrolet, LLC | Strongsville, OH | 6.5% | $210,081 |
| Wholesale Building Products, LLC | Hollywood, FL | 6.4% | $75,888 |
| Oldach Associates, LLC | San Juan, PR | 6.4% | $37,240 |
| Lawrence Automotive, Inc. | Hamilton, NJ | 6.3% | $58,147 |
| Tri-County Auto Center LTD | Limerick, PA | 6.3% | $73,105 |
| BMS Partners LLC | Hollywood, FL | 6.0% | $70,838 |
| RV Station | College Station, TX | 6.0% | $46,399 |
| Florida Coast Equipment, Inc. | West Palm Beach, FL | 6.0% | $113,852 |
| Square Grove LLC | Austin, TX | 6.0% | $49,623 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Retail — stores, food, auto, clothing employers pay health insurance brokers?
Across 272 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Retail — stores, food, auto, clothing employers was 4.0% of premium (middle half 2.9% to 5.0%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $64,522.
Which Retail — stores, food, auto, clothing employers paid the most in broker commissions?
7-Eleven, Inc reported the most in 2024, $3,640,268, followed by Starbucks Corporation ($3.3M) and Lowes Companies Inc ($2.5M).
Which brokers and carriers dominate this industry?
By reported compensation, the largest brokers are Marsh McLennan Agency, Lockton, Mercer. By medical premium, the largest carriers are Ace Insurance Company, Blue Cross Blue Shield of Florida, Blue Cross Blue Shield of Michigan.