Keenan Hopkins Schmidt and Stowell Contractors, Inc.
Updated Filing received by DOL
Keenan Hopkins Schmidt and Stowell Contractors, Inc., a construction employer in Tampa, Florida, reported 121 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $83,531 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 7, 2026, before the deadline.
Who was paid on Keenan Hopkins Schmidt and Stowell Contractors, 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 Keenan Hopkins Schmidt and Stowell Contractors, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Associated Builders & Contractors · Washington DC, DC | $83,080 | $0 | $83,080 | 2 |
| Anderson Benefit Solutions · Land O Lakes, FL | $236 | $0 | $236 | 2 |
| Heil Business Solutions Corp · Tampa, FL | $55 | $0 | $55 | 2 |
| Choice Benefits Solutions LLC · Seminole, FL | $51 | $0 | $51 | 3 |
| USI Insurance Services · Tampa, FL | $35 | $0 | $35 | 1 |
| Ronald Sadofsky · Hudson, FL | $17 | $0 | $17 | 1 |
| Lisa Heil Busenbark · Tampa, FL | $17 | $0 | $17 | 2 |
| Lucas Gartenmayer · Zephyrhills, FL | $13 | $0 | $13 | 1 |
| Trilogy Benefits Consulting LLC · Seminole, FL | $10 | $0 | $10 | 1 |
| Frank M Gammon · Clermont, FL | $5 | $0 | $5 | 1 |
| Karen Piccinini · Belle Isle, FL | $5 | $0 | $5 | 1 |
| Seva Group LLC · Hayesville, NC | $4 | $0 | $4 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, dental, vision, indemnity | 261 | — | $73,010 | — |
| United Healthcare Insurance Companylife, long-term disability | 120 | — | $10,070 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 3 | — | $231 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 2 | — | $220 | — |
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 Keenan Hopkins Schmidt and Stowell Contractors, 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.
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 | 123 | 121 | −1.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $86,569 | $83,531 | −3.5% |
| 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 |
|---|---|---|---|---|
| Keenan Hopkins Schmidt and Stowell Contractors, Inc. Employee Benefit Plan#501 · insurance, general assets | June 30, 2025 | January 7, 2026 | before deadline | 121 |
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 Keenan Hopkins Schmidt and Stowell Contractors, Inc. pay in health insurance broker commissions in 2024?
Keenan Hopkins Schmidt and Stowell Contractors, Inc.'s 2024 Form 5500 reports $83,531 in broker commissions and fees across 4 insurance contracts ($83,531 in commissions, $0 in fees), with Associated Builders & Contractors receiving the largest share.
Is Keenan Hopkins Schmidt and Stowell Contractors, Inc.'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 Keenan Hopkins Schmidt and Stowell Contractors, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Keenan Hopkins Schmidt and Stowell Contractors, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.