Winchester Equipment Co
Updated Filing received by DOL
Winchester Equipment Co, a retail — general merchandise, sporting goods employer in Winchester, Virginia, reported 206 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 3 insurance contracts with no premium reported and $94,051 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 24, 2026, before the deadline.
Who was paid on Winchester Equipment Co's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Winchester Equipment Co filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Rockville, MD | $19,133 | $58,482 | $77,615 | 2 |
| Dean B Griffith · Front Royal, VA | $10,344 | $499 | $10,843 | 1 |
| Maximillion Joseph Press · Winchester, VA | $1,628 | $107 | $1,735 | 1 |
| Dana J a Norris · Maurertown, VA | $652 | $3 | $655 | 1 |
| Richard Allen Bailey · Winchester, VA | $361 | $82 | $443 | 1 |
| Mark Darian Allen · Stephens City, VA | $411 | $23 | $434 | 1 |
| Susan L Williams · Front Royal, VA | $421 | $0 | $421 | 1 |
| James a Taft JR · Harrodsburg, KY | $327 | $0 | $327 | 1 |
| Christopher Michael Reedy · Mount Jackson, VA | $296 | $0 | $296 | 1 |
| The Winchester Group Inc · Winchester, VA | $107 | $0 | $107 | 1 |
| Sheila L Raitch · Gainesville, VA | $100 | $0 | $100 | 1 |
| Robert P Carter · Falling Waters, WV | $100 | $0 | $100 | 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. 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 |
|---|---|---|---|---|
| Unitedhealthcare Insurance Companyhealth, dental, vision | 362 | — | $69,948 | — |
| Unitedhealthcare Insurance Companylife, long-term disability | 194 | — | $7,667 | — |
| Aflaclife, short-term disability, indemnity | 76 | — | $16,436 | — |
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 Winchester Equipment Co 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 | 201 | 206 | +2.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $114,310 | $94,051 | −17.7% |
| 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 |
|---|---|---|---|---|
| Winchester Equipment Co Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 206 |
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 Winchester Equipment Co pay in health insurance broker commissions in 2025?
Winchester Equipment Co's 2025 Form 5500 reports $94,051 in broker commissions and fees across 3 insurance contracts ($34,856 in commissions, $59,195 in fees), with Marsh McLennan Agency receiving the largest share.
Is Winchester Equipment Co'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 Unitedhealthcare Insurance Company.
How does Winchester Equipment Co's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Winchester Equipment Co because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.