B&H Foto Medical Plan
Updated Filing received by DOL
B&H Foto Medical Plan, a retail — stores, food, auto, clothing employer in New York, New York, reported 2,303 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $148,357 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 10, 2026, 41 days after the base deadline with no extension indicated on the form.
Who was paid on B&H Foto Medical Plan's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract B&H Foto Medical Plan filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Retek Benefit Solutions · Brooklyn, NY | $63,066 | $0 | $63,066 | 1 |
| Zev Retek · Brooklyn, NY | $7,877 | $30,062 | $37,939 | 1 |
| Mercer · Chicago, IL | $32,412 | $2,003 | $34,415 | 3 |
| Cornerstone Insurance and Financial · Dallas, TX | $0 | $12,844 | $12,844 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companydental, indemnity | 675 | — | $80 | — |
| Cigna Dental Health of Florida, Inc.dental, indemnity | 1 | — | — | — |
| Cigna Dental Health of New Jersey, Incdental, indemnity | 298 | — | — | — |
| Cigna Dental Health of Pennsylvania, Incdental, indemnity | 18 | — | — | — |
| Cigna Dental Health of Connecticutdental, indemnity | 1 | — | — | — |
| Metropolitant Life Insurance Companydental, life | 3,538 | — | $63,119 | — |
| Sunlife and Health Insurance Companyshort-term disability | — | — | $5,481 | — |
| Emblem Healthhealth, HMO | 167 | — | — | — |
| Principal Life Insurance Companylong-term disability | 1,017 | — | $50,823 | — |
| Davis Visionvision | 3,138 | — | — | — |
| Transamerica Financial Life Insurance Companyindemnity | 994 | — | $28,854 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How B&H Foto Medical Plan compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 2,299 | 2,303 | +0.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $214,230 | $148,357 | −30.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| B&H Foto Medical Plan#501 · insurance, general assets | December 31, 2025 | September 10, 2026 | 41 days after deadline, no extension indicated | 2,303 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did B&H Foto Medical Plan pay in health insurance broker commissions in 2025?
B&H Foto Medical Plan's 2025 Form 5500 reports $148,357 in broker commissions and fees across 11 insurance contracts ($105,278 in commissions, $43,079 in fees), with Retek Benefit Solutions receiving the largest share.
Is B&H Foto Medical Plan's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Emblem Health.
How does B&H Foto Medical Plan's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for B&H Foto Medical Plan because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.