Retail Trade Stores Benefits Benchmarks
Real plan data from verified employers in your industry
Retail Trade Stores Employee Benefits Overview
Medical plan benchmarks from verified employer data
Medical benefits typically represent the largest share of employer benefit spending and are a key factor in employee recruitment and retention.
Our database includes 386 retail trade stores employers offering 1,045 verified benefit plans. PPO plans are the most common (41% of employers), followed by HDHP (33%). Fully-Insured funding is the predominant model, used by 70% of industry employers. Most employers offer three or more plan options to employees (51%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
Plan Type Mix
LIVEPlan Funding
LIVEPlans Offered
LIVE| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $676 $1,807 $2,560 | $1,80752Bal |
| Family Deductible | $1,840 $2,786 $5,800 | $2,78652Bal |
| Individual OOP Max | $3,627 $4,928 $6,693 | $4,92852Bal |
| Family OOP Max | $7,421 $10,586 $13,834 | $10,58652Bal |
| Coinsurance | 12% 17% 27% | 17%52Bal |
| Primary Care | $26 $38 $45 | $3852Bal |
| Specialist | $35 $57 $72 | $5752Bal |
| Emergency Room | $216 $274 $493 | $27452Bal |
| Urgent Care | $56 $74 $98 | $7452Bal |
Unlock Full Benchmark Data
Get complete plan design details, contribution analysis, and downloadable reports for retail trade stores.
See What You'll Discover
Our reports reveal exactly where your plan stands—and why. Preview using sample retail trade stores data.
This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.
Deductibles and copays rank above market median, offering strong value to employees.
Contribution levels are competitive with peer employers in your industry.
Gross premiums align with market expectations for comparable coverage.
% of employers
% of employers
Features in top 25% of peers
Features in bottom 25% of peers
Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.
This is sample data. Get real insights for your plans.
Instant PDF delivery · Updated weekly · Verified employer data
Retail Trade Stores Benefits Landscape
Industry trends and benchmarking considerations
Retail employers face unique benefits challenges with large, often part-time workforces and thin margins. Our benchmarking data shows fully-insured plans predominate in this sector, with many retailers offering limited plan options to manage administrative complexity. However, major retailers increasingly compete on benefits to attract hourly workers in tight labor markets.
Key Trends
Fully-Insured Dominance
Retail employers in our database predominantly use fully-insured plans, prioritizing cost predictability and administrative simplicity.
Single or Dual Plan Offerings
Unlike professional services, most retailers offer one or two plan options rather than multiple tiers.
Hourly Workforce Considerations
Benefits eligibility thresholds and waiting periods are key differentiators in retail—our data shows significant variation in these policies.
Benchmarking Considerations
Retail benefits benchmarks should account for workforce composition. Retailers with high full-time ratios show different patterns than those relying on part-time staff. Consider eligibility requirements when comparing.
Related Industries
Frequently Asked Questions
About retail trade stores benefits benchmarking
Explore More Benchmarks
Ready for the complete picture?
Get detailed benchmarks, percentile breakdowns, and exportable data for retail trade stores employers.