Retail — general merchandise, sporting goods employer health plans: what they cost and who gets paid
717 Retail — general merchandise, sporting goods employers filed health plans with 100 or more participants for plan year 2024, covering 6,169,014 participants. They reported $541M in insurance premiums and $90M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.8% of premium, 1.0 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 |
|---|---|---|---|
| Macy's, Inc. | Springdale, OH | $3,944,742 | — |
| Amazon.Com Services, LLC | Seattle, WA | $3,209,909 | — |
| Dollar General Corporation | Goodlettsville, TN | $2,742,246 | — |
| Petsmart LLC | Phoenix, AZ | $2,153,866 | — |
| Dollar Tree, Inc. | Chesapeake, VA | $1,947,349 | — |
| Dillard's, Inc. | Little Rock, AR | $1,745,008 | 0.0% |
| Target Corporation | Brooklyn Park, MN | $1,583,408 | — |
| Kohl's Department Stores, Inc. | Menomonee Falls, WI | $1,189,221 | — |
| QVC, Inc. | West Chester, PA | $958,763 | — |
| Michaels Stores, Inc. | Irving, TX | $928,152 | — |
| The Aaron's Company, Inc. | Atlanta, GA | $842,527 | — |
| Odp International, LLC | Boca Raton, FL | $824,852 | — |
| Saks Global Enterprise LLC | New York, NY | $769,292 | — |
| Chewy, Inc. | Plantation, FL | $689,967 | — |
| Pye-Barker Fire & Safety, LLC | Alpharetta, GA | $676,731 | — |
| Konica Minolta Business Solutions U.S.A., Inc. | Ramsey, NJ | $674,508 | — |
| Penney Opco, LLC | Plano, TX | $636,790 | 5.0% |
| Altern Marketing, LLC | Woodland Hills, CA | $618,111 | — |
| Petco Animal Supplies, Inc. | San Diego, CA | $559,694 | — |
| The Cannabist Company | Chelmsford, MA | $547,237 | — |
| Stubhub Holdings, Inc. | New York, NY | $543,613 | — |
| Firstcash, Inc. | Fort Worth, TX | $471,028 | — |
| Louisiana Machinery Company, LLC | Reserve, LA | $466,399 | — |
| Visionworks of America, Inc. | San Antonio, TX | $451,638 | — |
| Dick's Clothing and Sporting Goods, Inc. | Coraopolis, PA | $424,940 | — |
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 |
|---|---|---|---|
| BBP Sales, LLC | Baton Rouge, LA | 6.5% | $87,095 |
| Petland, Inc | Chillicothe, OH | 6.3% | $75,020 |
| Osprey Unlimited Industries, Inc. | Scarborough, ME | 6.3% | $44,059 |
| Produce Junction, Inc. | Swedesboro, NJ | 6.2% | $118,199 |
| Staccato 2011, LLC | Florence, TX | 6.0% | $111,847 |
| F. C. Haab Company, Inc. | Bala Cynwyd, PA | 5.9% | $85,722 |
| Attitude Wellness LLC | Troy, MI | 5.7% | $317,966 |
| McKay Books, Inc. | Chattanooga, TN | 5.6% | $48,411 |
| Apex Advisory LLC | Springdale, AR | 5.6% | $52,485 |
| Lga Retail, Inc. | Livonia, MI | 5.4% | $38,246 |
| Woodland Direct, Inc | Auburn Hills, MI | 5.3% | $62,863 |
| Loreal Caribe, Inc. | Guaynabo, PR | 5.1% | $37,101 |
| Vitadepot.Com, LLC | Deerfield Beach, FL | 5.0% | $80,886 |
| Surgicor, LLC | Franklin, TN | 5.0% | $82,085 |
| Penney Opco, LLC | Plano, TX | 5.0% | $46,311 |
| The Fire Station | Marquette, MI | 5.0% | $33,369 |
| Precision Electric Motor Sales | Corunna, MI | 5.0% | $45,462 |
| Goodwill Industries of Southern New Jersey | Maple Shade, NJ | 4.9% | $170,734 |
| Block Imaging International | Holt, MI | 4.8% | $79,603 |
| Princess House Inc. | Mansfield, MA | 4.3% | $107,981 |
| Potpourri Group, Inc. | North Billerica, MA | 4.2% | $85,309 |
| Utility/Keystone Trailer Sales, Inc | Manheim, PA | 4.1% | $45,000 |
| Sparrow & Kennedy Tractor Company, Inc. | Bishopville, SC | 4.0% | $36,537 |
| Backyard Leisure, LLC | Pittsburg, KS | 4.0% | $58,522 |
| Syracuse Label Co, Inc. | North Syracuse, NY | 3.9% | $62,542 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Retail — general merchandise, sporting goods employers pay health insurance brokers?
Across 45 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Retail — general merchandise, sporting goods employers was 4.8% of premium (middle half 3.1% to 5.6%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $70,343.
Which Retail — general merchandise, sporting goods employers paid the most in broker commissions?
Macy's, Inc. reported the most in 2024, $3,944,742, followed by Amazon.Com Services, LLC ($3.2M) and Dollar General Corporation ($2.7M).
Which brokers and carriers dominate this industry?
By reported compensation, the largest brokers are Lockton, Mercer, Willis Towers Watson. By medical premium, the largest carriers are Aetna Life Insurance Company, Bluecross Blueshield of Illinois, Hawaii Medical Service Association.