First Breckinridge Bancshares
Updated Filing received by DOL
First Breckinridge Bancshares, a finance & insurance employer in Irvington, Kentucky, reported 404 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $146,376 in insurance premiums across 3 contracts and $80,117 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 6, 2026, before the deadline.
Who was paid on First Breckinridge Bancshares's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract First Breckinridge Bancshares filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Houchens Insurance Group, Inc. · Bowling Green, KY | $68,612 | $10,008 | $78,620 | 3 |
| Maryanne Anderson · Bowling Green, KY | $492 | $9 | $501 | 1 |
| Howard J. Horowitz · Carmel, IN | $222 | $25 | $247 | 1 |
| Deborah S. Golden · Bowling Green, KY | $223 | $4 | $227 | 1 |
| Anne Owens & Others · Georgetown, KY | $210 | $3 | $213 | 1 |
| Kristin Bennett · Bowling Green, KY | $164 | $0 | $164 | 1 |
| Crtx2, LLC · Bowling Green, KY | $74 | $72 | $146 | 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 |
|---|---|---|---|---|
| Delta Dental of Kentuckydental, vision | 425 | $146,376 | $15,443 | 10.6% |
| Colonial Life and Accident Insurance Companycoverage not coded | 69 | — | $9,258 | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 399 | — | $55,416 | — |
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 First Breckinridge Bancshares 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 | 392 | 404 | +3.1% |
| Premiums filed | $144,951 | $146,376 | +1.0% |
| Broker commissions + fees | $86,554 | $80,117 | −7.4% |
| 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 |
|---|---|---|---|---|
| First Breckinridge Bancshares#501 · insurance, general assets | December 31, 2025 | July 6, 2026 | before deadline | 404 |
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 First Breckinridge Bancshares pay in health insurance broker commissions in 2025?
First Breckinridge Bancshares's 2025 Form 5500 reports $80,117 in broker commissions and fees across 3 insurance contracts ($69,997 in commissions, $10,120 in fees), with Houchens Insurance Group, Inc. receiving the largest share.
Is First Breckinridge Bancshares's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does First Breckinridge Bancshares's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for First Breckinridge Bancshares 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.