KS Engineers, P.C.
Updated Filing received by DOL
KS Engineers, P.C., a professional & technical services employer in Newark, New Jersey, reported 495 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 9 insurance contracts with no premium reported and $58,598 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 11, 2026, before the deadline.
Who was paid on KS Engineers, P.C.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract KS Engineers, P.C. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage, Inc. · Boston, MA | $15,681 | $2,474 | $18,155 | 3 |
| RSC Insurance Broker. Inc · New York, NY | $15,962 | $0 | $15,962 | 6 |
| Emerson Rogers, LLC · Blue Bell, PA | $723 | $10,118 | $10,841 | 6 |
| Selman & Company LLC · Cleveland, OH | $7,933 | $0 | $7,933 | 2 |
| Epsix, Inc. · Scottsdale, AZ | $2,403 | $0 | $2,403 | 1 |
| Justin Matthew Buck · Madison, CT | $2,149 | $0 | $2,149 | 1 |
| Stephen West · Beacon Falls, CT | $362 | $0 | $362 | 1 |
| Richard Saenz · Fairfield, CT | $213 | $0 | $213 | 1 |
| Evan D Cross · Milton, MA | $203 | $0 | $203 | 1 |
| Joel B Karas · Brighton, MA | $150 | $0 | $150 | 1 |
| Steven Robert Karas · Newton Centre, MA | $60 | $0 | $60 | 1 |
| Kyle a Schoales · Gardner, MA | $39 | $0 | $39 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 198 | — | $23,427 | — |
| Vision Service Planvision | 164 | — | $2,258 | — |
| Sun Life Assurance Company of Canadalife, long-term disability | 288 | — | $20,787 | — |
| Cigna Dental Health of New Jersey, Inc.dental, HMO | 19 | — | $1,171 | — |
| Cigna Dental Health of Pennsylvania, Inc.dental, HMO | 3 | — | $162 | — |
| Cigna Healthcare of Connecticut Incdental, HMO | 2 | — | $88 | — |
| Cigna Dental Health of Maryland Inc.dental, HMO | 1 | — | $10 | — |
| Metropolitan General Insurance Companycoverage not coded | 42 | — | $1,222 | — |
| Continental American Insurance Companycoverage not coded | 99 | — | $9,473 | — |
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 KS Engineers, P.C. 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 | 290 | 495 | +70.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $244,162 | $58,598 | −76.0% |
| 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 |
|---|---|---|---|---|
| KS Engineers, P. C. Welfare Benefit Plan#501 · insurance | December 31, 2025 | June 11, 2026 | before deadline | 495 |
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 KS Engineers, P.C. pay in health insurance broker commissions in 2025?
KS Engineers, P.C.'s 2025 Form 5500 reports $58,598 in broker commissions and fees across 9 insurance contracts ($46,006 in commissions, $12,592 in fees), with RSC Insurance Brokerage, Inc. receiving the largest share.
Is KS Engineers, P.C.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims).
How does KS Engineers, P.C.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for KS Engineers, P.C. 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.