Winston Retail Solutions LLC
Updated Filing received by DOL
Winston Retail Solutions LLC, an administrative & support services employer in New York, New York, reported 553 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $297,418 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 21, 2025, before the deadline.
Who was paid on Winston Retail Solutions LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Winston Retail Solutions LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| World Insurance Associates · Iselin, NC | $203,079 | $0 | $203,079 | 6 |
| Fna Insurance Services Inc · Woodbury, NY | $1,111 | $89,138 | $90,249 | 6 |
| Various Agents-Please See Attached | $2,963 | $1,127 | $4,090 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| New York Life Group Insurance Company of New Yorklong-term disability | — | — | $7,789 | — |
| New York Life Group Insurance Company of New Yorklife | — | — | $6,086 | — |
| New York Life Group Insurance Company of New Yorkcoverage not coded | — | — | $2,814 | — |
| New York Life Group Insurance Company of New Yorkshort-term disability | — | — | $5,867 | — |
| Cigna Health and Life Insurance Companyhealth, dental | 547 | — | $268,069 | — |
| Vision Service Planvision | 372 | — | $2,703 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 54 | — | $4,090 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Winston Retail Solutions LLC 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 306 | 553 | +80.7% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $156,983 | $297,418 | +89.5% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Winston Retail Solutions LLC Health & Welfare Benefit Plan#501 · insurance, general assets | June 30, 2025 | November 21, 2025 | before deadline | 553 |
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 Winston Retail Solutions LLC pay in health insurance broker commissions in 2024?
Winston Retail Solutions LLC's 2024 Form 5500 reports $297,418 in broker commissions and fees across 7 insurance contracts ($207,153 in commissions, $90,265 in fees), with World Insurance Associates receiving the largest share.
Is Winston Retail Solutions LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company.
How does Winston Retail Solutions LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Winston Retail Solutions LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.