Form 5500 · Employee benefit plan · MEMPHIS, TN
AUTOZONE, INC.
The filing calls this plan AUTOZONE, INC, WELFARE BENEFIT PLAN.
AUTOZONE, INC. of MEMPHIS, TN spreads its employee benefits across 11 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HODGES-MACE, LLC. Coverage is written through DELTA DENTAL OF TENNESSEE and 10 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1482048 · plan 550 · plan year 2024, filed Oct 15, 2025
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1,160 other employer plans in Tennessee have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 5 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 886 of 98,933 participants (0.9%) on Schedule A.
Disability: the largest of the 3 insured disability contracts, with TRIPLE-S VIDA, INC., covers 437 of 98,933 participants (0.4%) on Schedule A.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 18 insured contracts covering health, dental, vision, life and disability; the largest, with DELTA DENTAL OF TENNESSEE, covers 37,365 people.
Reported premium across the insured contracts is $42,631,267, with $8,092,195 in disclosed broker commissions — about 19% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
HODGES-MACE, LLC is the broker of record on 2 of the 18 contracts; the rest name a different broker or none.
11 carriers appear on the filing, including DELTA DENTAL OF TENNESSEE, KAISER FOUNDATION HEALTH PLAN, INC., METROPOLITAN LIFE INSURANCE COMPANY and VISION SERVICE PLAN. DELTA DENTAL OF TENNESSEE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COMBINED INSURANCE COMPANY | — | 105,768 | Jan 1, 2025 | $2,902,496 | $3,645,848 |
| COMBINED INSURANCE COMPANY | — | 6,650 | Jan 1, 2025 | $2,155,105 | $1,693,430 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 62,974 | Jan 1, 2025 | — | $1,244,320 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 66,557 | Jan 1, 2025 | $7,682,218 | $614,158 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Life | 13 | Jan 1, 2025 | $1,003,764 | $259,402 |
| VISION SERVICE PLAN | Vision | 19,794 | Jan 1, 2025 | $3,819,854 | $190,911 |
| UNUM INSURANCE COMPANY | — | 15,103 | Mar 1, 2024 | $745,293 | $148,809 |
| UNUM INSURANCE COMPANY | — | 12,068 | Mar 1, 2024 | $546,568 | $110,775 |
| UNUM INSURANCE COMPANY | — | 17,853 | Mar 1, 2024 | $385,757 | $89,035 |
| TRIPLE S SALUD, INC. | Health, Dental | 322 | Jan 1, 2025 | $1,647,231 | $82,362 |
| TRIPLE-S VIDA, INC. | Disability | 437 | Jan 1, 2025 | $45,530 | $9,106 |
| TRIPLE-S VIDA, INC. | Disability | 437 | Jan 1, 2025 | $20,193 | $4,039 |
| DELTA DENTAL OF TENNESSEE | Dental | 37,365 | Jan 1, 2025 | $8,762,862 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 886 | Jan 1, 2025 | $7,802,258 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 514 | Jan 1, 2025 | $4,611,898 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 69 | Jan 1, 2025 | $412,272 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 3 | Jan 1, 2025 | $77,249 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2025 | $10,719 | $0 |
Premium and claims on these contracts
VISION SERVICE PLAN, contract 12079672. For the contract year on this filing, the carrier reported $3,819,854 in premium earned and $2,862,889 in claims incurred. Dividing one by the other gives 75%.
TRIPLE S SALUD, INC., contract SP0003592. For the contract year on this filing, the carrier reported $1,647,231 in premium earned and $1,624,550 in claims incurred. Dividing one by the other gives 99%.
DELTA DENTAL OF TENNESSEE, contract 7667. For the contract year on this filing, the carrier reported $8,762,862 in premium earned and $6,679,388 in claims incurred. Dividing one by the other gives 76%.
- VISION SERVICE PLAN, contract 12079672 reported $611,177 in retention.
- TRIPLE S SALUD, INC., contract SP0003592 reported $0 in retention.
- DELTA DENTAL OF TENNESSEE, contract 7667 reported $810,565 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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