PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Welfare plans/
  2. Industries/
  3. Retail Trade
Industry · NAICS-2 45 · 2022

Retail Trade

$3.8B in welfare premiums across 1,523 plans from 1,336 sponsors.

Plans
1,523
No prior year
Sponsors
1,336
No prior year
Premiums
$3.8B
No prior year
Covered lives
5,773,707
No prior year

Funding mix

2022
Self-funded44.7%
681
Fully insured34.5%
526
Mixed19.5%
297
MEWA0.7%
10
Unknown0.6%
9

Top carriers in this industry

  1. 1KAISER FOUNDATION HEALTH PLAN INC$789.4M81 plans · 21.0%
  2. 2PRUDENTIAL INSURANCE COMPANY OF AMERICA$425.0M29 plans · 11.3%
  3. 3BLUE CROSS OF CALIFORNIA$386.5M171 plans · 10.3%
  4. 4UNUM LIFE INSURANCE COMPANY OF AMERICA$235.4M95 plans · 6.3%
  5. 5HARTFORD LIFE AND ACCIDENT$215.9M57 plans · 5.7%
  6. 6CIGNA HEALTH AND LIFE INSURANCE COMPANY$184.9M106 plans · 4.9%
  7. 7THE LINCOLN NATIONAL LIFE INSURANCE COMPANY$176.0M87 plans · 4.7%
  8. 8UNITEDHEALTHCARE INSURANCE COMPANY$168.4M94 plans · 4.5%
  9. 9AETNA LIFE INSURANCE COMPANY$149.4M56 plans · 4.0%
  10. 10METROPOLITAN LIFE INSURANCE COMPANY$120.2M139 plans · 3.2%
  11. 11ANTHEM LIFE INSURANCE COMPANY$104.3M60 plans · 2.8%
  12. 12VISION SERVICE PLAN$89.2M122 plans · 2.4%
  13. 13AMERICAN HERITAGE LIFE INSURANCE COMPANY$88.1M27 plans · 2.3%
  14. 14LIFE INSURANCE COMPANY OF NORTH AMERICA$82.2M113 plans · 2.2%
  15. 15HEALTH NET$54.8M9 plans · 1.5%

Top brokers in this industry

  1. 1MARSH & MCLENNAN AGENCY LLC$8.8M75 plans · 9.5%
  2. 2LOCKTON COMPANIES, LLC$7.7M42 plans · 8.3%
  3. 3WILLIS TOWERS WATSON US LLC$5.6M45 plans · 6.0%
  4. 4MERCER HEALTH AND BENEFITS, LLC$5.0M42 plans · 5.4%
  5. 5GALLAGHER BENEFIT SERVICES, INC.$4.6M56 plans · 4.9%
  6. 6USI INSURANCE SERVICES LLC$3.7M76 plans · 4.0%
  7. 7AON CONSULTING INC$3.5M26 plans · 3.7%
  8. 8HUB INTERNATIONAL MIDWEST LIMITED$3.1M42 plans · 3.4%
  9. 9CREATIVE WORKSITE SOLUTIONS LLC$2.7M1 plans · 2.9%
  10. 10ASSUREDPARTNERS$2.6M24 plans · 2.8%
  11. 11HEWITT INSURANCE BROKERAGE LLC$1.8M2 plans · 1.9%
  12. 12SEQUOIA BENEFITS & INS SVCS LLC$1.7M14 plans · 1.8%
  13. 13BROWN & BROWN INSURANCE SERVICES$1.5M29 plans · 1.6%
  14. 14EMERSON REID LLC$1.5M19 plans · 1.6%
  15. 15ALLIANT INSURANCE SERVICES, INC.$1.3M24 plans · 1.4%

Multi-year totals

Largest plans in this industry

Sponsor / PlanStateFundingPremiumCoveredCarrier
WALMART INC.
WALMART INC. ASSOCIATES' HEALTH AND WELFARE PLAN
ARMixed$1.1B1,676,677PRUDENTIAL INSURANCE COMPANY OF AMERICA
AMAZON.COM SERVICES, LLC
GROUP HEALTH & WELFARE PLAN
WAMixed$855.4M1,113,186PRUDENTIAL INSURANCE COMPANY OF AMERICA
MACY'S, INC.
MACYS, INC. WELFARE BENEFITS PLAN
OHFully insured$317.3M79,558AETNA LIFE INSURANCE CO.
COSTCO WHOLESALE CORPORATION AND SUBSIDIARIES
COSTCO WHOLESALE CORPORATION EMPLOYEE BENEFITS PROGRAM II
WAFully insured$282.0M213,656UNUM LIFE INSURANCE COMPANY OF AMERICA
TARGET CORPORATION
TARGET CORPORATION EMPLOYEE UMBRELLA WELFARE BENEFIT PLAN
MNMixed$111.1M567,290SPRING HEALTH
DOLLAR TREE, INC.
DOLLAR TREE INC GROUP HEALTH BENEFIT PLAN
VAMixed$38.5M227,987UNUM LIFE INSURANCE COMPANY OF AMERICA
HARBOR FREIGHT TOOLS USA, INC.
HARBOR FREIGHT TOOLS EMPLOYEE WELFARE PLAN
CAFully insured$37.5M25,932CONTINENTAL AMERICAN INSURANCE COMPANY
PETSMART LLC
PETSMART SMARTCHOICES BENEFIT PLAN
AZFully insured$35.5M45,976LIFE INSURANCE COMPANY OF NORTH AMERICA
DOLLAR GENERAL CORPORATION
DOLLAR GENERAL EMPLOYEE BENEFITS PLAN
TNFully insured$35.1M213,306BLUECROSS BLUESHIELD OF TENNESSEE, INC.
MACY'S, INC.
MACY'S, INC. ENHANCED BENEFITS PROGRAM
OHFully insured$29.4M19,658PRUDENTIAL INSURANCE COMPANY OF AMERICA
TRANSFORM MIDCO LLC
TRANSFORM HEALTH AND WELFARE PLAN
ILFully insured$20.9M4,266BLUE CROSS BLUE SHIELD OF ILLINOIS
SEPHORA USA, INC.
SEPHORA WELFARE BENEFITS PLAN
CAFully insured$20.2M16,710KAISER FOUNDATION HEALTH PLAN, INC.
ALTERN MARKETING, LLC
GOLDEN HIPPO HEALTH & WELFARE PLAN
CAFully insured$20.0M2,074AETNA LIFE INSURANCE COMPANY
PETCO ANIMAL SUPPLIES, INC.
PETCO ANIMAL SUPPLIES STORE, INC. GROUP BENEFIT PLAN AND TRUST
CAFully insured$19.9M31,805KAISER FOUNDATION HEALTH PLAN, INC.
KOHL'S, INC.
KOHL'S GROUP HEALTH PLAN
WIFully insured$19.7M103,577KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA)
WILLIAMS-SONOMA, INC.
WILLIAMS-SONOMA, INC. HEALTH & WELFARE PLAN
CAMixed$19.0M11,125KAISER FOUNDATION HEALTH PLAN, INC.
QVC, INC.
QVC GROUP MASTER WELFARE PLAN
PAFully insured$17.4M20,113DELTA DENTAL OF PENNSYLVANIA
MARCO TECHNOLOGIES, LLC
MARCO TECHNOLOGIES, LLC EMPLOYEE GROUP WELFARE INSURANCE PLAN
MNFully insured$16.8M927BLUE CROSS AND BLUE SHIELD OF MINNESOTA
BASS PRO GROUP, LLC
BASS PRO GROUP, LLC WELFARE PLAN
MOMixed$16.0M32,663RELIASTAR LIFE INSURANCE COMPANY
GOODWILL INDUSTRIES OF THE COLUMBIA WILLAMETTE
GOODWILL INDUSTRIES OF THE COLUMBIA WILLAMETTE HEALTH PLAN
ORFully insured$15.1M2,561KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST

Prospect-flag prevalence

% of plans tripped, 2022
Self-funded no stop-loss66443.6%High broker comp %51133.6%Carrier concentration47331.1%Carrier switched1469.6%Broker switched1258.2%Premium spike1207.9%Premium-per-life outlier1016.6%
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica