Kast Construction, LLC
Updated Filing received by DOL
Kast Construction, LLC, a construction employer in West Palm Beach, Florida, reported 257 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 10 insurance contracts with no premium reported and $262,098 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received an amended filing on July 23, 2026; the original filing date is not in the public dataset.
Who was paid on Kast Construction, 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 Kast Construction, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Acrisure · Grand Rapids, MI | $42,522 | $165,415 | $207,937 | 9 |
| Gis Benefits · Morris, IL | $14,001 | $12,850 | $26,851 | 5 |
| Boon-Chapman, Inc · Austin, TX | $0 | $13,501 | $13,501 | 3 |
| Progressive Underwriters Group, Inc · Boca Raton, FL | $7,152 | $0 | $7,152 | 1 |
| Gis Benefits Inc dba Gis Community · Morris, IL | $3,087 | $0 | $3,087 | 1 |
| Zborowski, Steven · Palm Beach Gardens, FL | $1,788 | $0 | $1,788 | 1 |
| Gis Benefits Inc dba Gis Commu · Morris, IL | $1,782 | $0 | $1,782 | 2 |
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 |
|---|---|---|---|---|
| Unum Insurance Companycoverage not coded | 112 | — | $2,367 | — |
| Unum Insurance Companycoverage not coded | 81 | — | $785 | — |
| Unum Life Insurance Company of Americalife | 253 | — | $6,043 | — |
| Unum Life Insurance Company of Americalife | 91 | — | $18,579 | — |
| Reliance Standard Life Insurance Companylong-term disability | 189 | — | $8,940 | — |
| Cigna Health and Life Insurance Companyhealth, indemnity | 245 | — | $163,538 | — |
| Metropolitan Life Insurance Companydental, vision | 474 | — | $46,512 | — |
| Unum Life Insurance Company of Americashort-term disability | 91 | — | $8,830 | — |
| Unum Insurance Companycoverage not coded | 83 | — | $5,283 | — |
| Trustmark Insurance Companycoverage not coded | 11 | — | $1,221 | — |
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 Kast Construction, 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 | 294 | 257 | −12.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $323,071 | $262,098 | −18.9% |
| 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 |
|---|---|---|---|---|
| Kast Construction, LLC#501 · amended · insurance | September 30, 2025 | July 23, 2026 | amended filing; original date not in data | 257 |
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 Kast Construction, LLC pay in health insurance broker commissions in 2024?
Kast Construction, LLC's 2024 Form 5500 reports $262,098 in broker commissions and fees across 10 insurance contracts ($70,332 in commissions, $191,766 in fees), with Acrisure receiving the largest share.
Is Kast Construction, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Cigna Health and Life Insurance Company.
How does Kast Construction, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kast Construction, LLC 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.
Send the full findings to your inbox.
A specialist writes up every finding for Kast Construction, LLC 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.