Profit Margin
4.9%
Net income ÷ total receipts (IRS SOI)
Retail Trade ·NAICS 446
NAICS 446 · IRS SOI 2023 · Census CBP
Health and Personal Care Stores - Industry Benchmarks
$40,288/yr average annual pay, with 1,564 SBA loans on record for NAICS 446.
- 4.9%
- Net margin
- 1.1M
- Workers employed
- $40,288/yr
- Avg payroll / employee
- $938M
- SBA lending, FY20–26
Data updated July 2026
The verdict · NAICS 446
Health and Personal Care Stores runs a 4.9% pre-tax net margin - below the national median - across 89K establishments employing 1.1M workers.
- 4.9%
- Pre-tax net margin (IRS SOI)
- 1.1M
- Workers employed (Census CBP)
- $40,288/yr
- Avg payroll / employee
- $938M
- SBA lending, FY20–26
Benchmarking Insights for Health and Personal Care Stores
Health and Personal Care Stores sits inside Retail Trade at a 4.9% net margin (below the national median), $345.3B in aggregate receipts across 46,557 returns, averaging $7.4B per establishment.
89,276 establishments employ 1,066,142 workers (11.9/location) at $40,288/yr average annual pay. California leads employment, followed by Texas and Florida.
Total Receipts
$345.3B
Annual revenue (IRS SOI)
Net Income
$16.9B
Pre-tax net income
Employment
1,066,142
Total employees (Census CBP)
Avg Payroll / Employee
$40,288/yr
Annual compensation
Establishments
89,276
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment increased by 29,985; establishment count decreased by 1,607. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Where each dollar of Health and Personal Care Stores revenue goes
Workforce scale
Health and Personal Care Stores margin vs national reference points
Health and Personal Care Stores net margin 16.3%
Cross-industry median (5%)
p25/median/p75 = 3%/5%/8%
Business Structure Breakdown
How businesses in this industry are legally structured (IRS SOI)
C Corporation
46,557 returns 100%
Margin: 4.9% · Receipts: $345.3B
Financial Detail
- Total Tax Returns Filed
- 46,557
- Avg Receipts per Business
- $7.4B
- Annual Payroll (Total)
- $43.0B
- Avg Employees per Establishment
- 11.9
Sub-Industries
| Industry | Profit Margin |
|---|---|
| Health and Personal Care Stores NAICS 4461 | N/A |
Top States by Employment
| State | Employment |
|---|---|
| California | 111,113 |
| Texas | 86,419 |
| Florida | 80,819 |
| New York | 77,977 |
| Illinois | 45,817 |
| Pennsylvania | 44,020 |
| New Jersey | 37,317 |
| North Carolina | 36,425 |
| Ohio | 36,352 |
| Michigan | 34,994 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
1,564
Total Loan Volume
$938M
Avg Loan Size
$600K
Jobs Supported
12,615
Program Breakdown
7(a) 1,463 (94%)
504 101 (6%)
Top SBA Lender
Live Oak Banking Company
100 loans in this industry
New Business Share
33.7% of borrowers were new/startup businesses
Annual Lending Trend (7 yrs)
2020 568
2021 625
2022 246
2023 73
2024 33
2025 18
2026 1
Frequently Asked Questions
What is the average revenue for Health and Personal Care Stores?
$345.3B in total annual receipts across all Health and Personal Care Stores businesses. Average per business: $7.4B.
How profitable is Health and Personal Care Stores?
4.9% net profit margin, below the national median.
How many businesses are in Health and Personal Care Stores?
89,276 business establishments. Together they employ 1,066,142 workers.
What is the average payroll per employee in Health and Personal Care Stores?
$40,288/yr average annual pay per employee. Businesses average 11.9 employees per establishment.
Which states have the most Health and Personal Care Stores employment?
California leads with 111,113 workers. Texas (86,419) and Florida (80,819) round out the top three.
How much SBA lending does Health and Personal Care Stores receive?
Health and Personal Care Stores businesses received 1,564 SBA loans totaling $938 million between FY2020 and FY2026. The average loan size was $600K. These loans supported 12,615 jobs at origination. Most lending (94%) came through the SBA 7(a) program.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Health and Personal Care Stores reports a higher net margin than 47% of the 79 IRS-tracked industries at the same NAICS detail level. Its Census employment total exceeds 57% of that same 77-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest reported net margins
Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
Benchmarking Health and Personal Care Stores
- Net margin: 4.9% vs sector. Browse Retail Trade
- 89,276 establishments, 1,066,142 workers. Payroll benchmarks
- 1,564 SBA loans on record. SBA lending rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 446 · Data year: 2023
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.