Badger Bob Services Inc
Updated Filing received by DOL
Badger Bob Services Inc, a construction employer in Sarasota, Florida, reported 129 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $909,473 in insurance premiums across 4 contracts and $49,330 in broker commissions and fees, 3.6% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on August 31, 2026, within the extension window.
Who was paid on Badger Bob Services Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Badger Bob Services Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kitchner & Associates, Inc. · Sarasota, FL | $30,359 | $0 | $30,359 | 3 |
| Benefit Producers, LLC · Sarasota, FL | $12,684 | $0 | $12,684 | 2 |
| Centerstone Ins Agency & Fin. SVCS. · Dallas, TX | $4,339 | $0 | $4,339 | 1 |
| Jennifer Taggart · Ellenton, FL | $677 | $0 | $677 | 1 |
| Douglas Smoot · Sarasota, FL | $639 | $0 | $639 | 1 |
| Ibusiness Solutions, Inc. · Sarasota, FL | $377 | $0 | $377 | 1 |
| Kelly Irvine · Fort Myers, FL | $138 | $0 | $138 | 1 |
| Justin Reynolds and Various Agents · Lakewood Ranch, FL | $65 | $0 | $65 | 1 |
| Nicole Rihanek · Palmetto, FL | $31 | $0 | $31 | 1 |
| Joan Farnham · Thomasville, GA | $21 | $0 | $21 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Floridahealth, prescription drug | 52 | $646,604 | $21,279 | 3.3% |
| Health Optionshealth, prescription drug, HMO | 18 | $262,869 | $11,140 | 4.2% |
| Metropolitan Life Insurance Companydental, vision, life, short-term disability, long-term disability | 187 | — | $14,963 | — |
| Aflacshort-term disability | 10 | — | $1,948 | — |
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 Badger Bob Services Inc 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.
Premium per covered person on medical contracts: $12,992 a year (national median $7,274).
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 | 120 | 129 | +7.5% |
| Premiums filed | $788,402 | $909,473 | +15.4% |
| Broker commissions + fees | $45,818 | $49,330 | +7.7% |
| Commission rate | 5.2% | 3.6% | −1.6 pts |
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 |
|---|---|---|---|---|
| Badger Bob Services Inc Wrap Plan#501 · final filing · insurance | December 31, 2025 | August 31, 2026 | within extension | 129 |
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 Badger Bob Services Inc pay in health insurance broker commissions in 2025?
Badger Bob Services Inc's 2025 Form 5500 reports $49,330 in broker commissions and fees across 4 insurance contracts ($49,330 in commissions, $0 in fees), with Kitchner & Associates, Inc. receiving the largest share.
Is Badger Bob Services Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of Florida, Health Options.
How does Badger Bob Services Inc's broker compensation compare with similar employers?
Badger Bob Services Inc paid 3.6% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Florida is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
Send the full findings to your inbox.
A specialist writes up every finding for Badger Bob Services Inc with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.