Form 5500 · Employee benefit plan · WEST PALM BEACH, FL
KAST CONSTRUCTION, LLC
KAST CONSTRUCTION, LLC of WEST PALM BEACH, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ACRISURE LLC DBA ALLTRUST INSURANCE. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-3446391 · plan 501 · plan year 2025, filed Jul 23, 2026
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273 other employer plans in Florida have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 245 people.
Reported premium across the insured contracts is $4,670,568, with $70,332 in disclosed broker commissions — about 1.5% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
ACRISURE LLC DBA ALLTRUST INSURANCE is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 474 | Oct 1, 2025 | $262,257 | $34,681 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 91 | Oct 1, 2025 | $73,111 | $10,170 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 189 | Oct 1, 2025 | $81,374 | $8,940 |
| UNUM INSURANCE COMPANY | — | 83 | Oct 1, 2025 | $15,708 | $5,145 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 91 | Oct 1, 2025 | $34,594 | $4,778 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 253 | Oct 1, 2025 | $52,860 | $2,424 |
| UNUM INSURANCE COMPANY | — | 112 | Oct 1, 2025 | $21,678 | $2,242 |
| TRUSTMARK INSURANCE COMPANY | — | 11 | Oct 1, 2025 | $31,222 | $1,221 |
| UNUM INSURANCE COMPANY | — | 81 | Oct 1, 2025 | $9,446 | $731 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 245 | Oct 1, 2025 | $4,088,318 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
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