NAICS 446 · IRS SOI 2013 (C corp) · Census CBP 2023

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 August 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

Use Health and Personal Care Stores's NAICS benchmark as a comparison point, not a forecast for one business.

Health and Personal Care Stores is reported here with financial measures from IRS Statistics of Income and workforce measures from Census County Business Patterns. The page keeps those source systems distinct, shows unavailable fields rather than estimating them, and links the underlying industry context so readers can compare the same NAICS activity before interpreting a margin or payroll figure.

Source: IRS SOI 2013 (C corporation headline) and Census County Business Patterns 2023

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.

Health and Personal Care Stores sits in the 57th percentile for employment and the 56th percentile for net margin among 3-digit NAICS industries with reported data.

Profit Margin

4.9%

Net income ÷ total receipts (IRS SOI)

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.

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Where each dollar of Health and Personal Care Stores revenue goes

Receipts decomposition, IRS Statistics of Income 2023 aggregate for Health and Personal Care Stores

Workforce scale

Establishment size, Health and Personal Care Stores (Census SUSB)

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%/7%

Business Structure Breakdown

Per-entity IRS SOI tables at their own vintages, shares only when every row shares one year (never mix 2013/2017/2022 populations).

C Corporation SOI 2013

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	Employment	Avg Payroll/Emp
Health and Personal Care Stores NAICS 4461	N/A	1,066,142	$40,288/yr

Top States by Employment

State	Employment	Establishments	Annual Payroll	Avg Payroll/Emp
California	111,113	9,787	$5.0B	$45,310/yr
Texas	86,419	7,284	$3.4B	$39,194/yr
Florida	80,819	7,051	$3.3B	$40,228/yr
New York	77,977	7,687	$3.4B	$43,216/yr
Illinois	45,817	3,137	$1.7B	$37,668/yr
Pennsylvania	44,020	3,685	$1.8B	$41,241/yr
New Jersey	37,317	3,104	$1.5B	$39,432/yr
North Carolina	36,425	2,897	$1.4B	$38,687/yr
Ohio	36,352	2,708	$1.4B	$37,653/yr
Michigan	34,994	3,198	$1.4B	$39,802/yr

Showing top 10 of 51 states

SBA Lending Activity

SBA FY2020–2026

SBA 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

2024

2025

2026

View SBA lending rankings →

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.

Nationwide industries with similar benchmark drivers

Two IRS/Census peer sets for Health and Personal Care Stores, both at NAICS level 3 and excluding this code so the neighborhoods are not self-links.

According to Census County Business Patterns 2023, Health and Personal Care Stores ranks #33 of 77 U.S. industries at the 3-digit NAICS level by total employment. According to IRS SOI 2013 IRS Statistics of Income, its reported pre-tax net margin ranks #33 of 75 at that same detail level.

Similar reported net margin

Nearest peer industries by ABS(IRS pre-tax margin) (4.9% here).

Personal and Laundry Services 4.8% Furniture and Related Product Manufacturing 4.8% Apparel Manufacturing 5.1%

Similar workforce scale

Nearest peer industries by ABS(Census employment) (1,066,142 here).

Heavy and Civil Engineering Construction 1,051,261 Machinery Manufacturing 1,086,146 Securities, Commodity Contracts, and Other Financial Investments and Related Activities 1,042,226

Read with this industry: Understanding profit margins by industry · Retail Trade · 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 · CBP 2023 · IRS SOI 2013

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 Accessed 2026-07-06

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.