Investors Heritage Capital Corporation
Updated Filing received by DOL
Investors Heritage Capital Corporation, a management of companies employer in Frankfort, Kentucky, reported 103 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $54,890 in insurance premiums across 6 contracts and $43,972 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 21, 2026, before the deadline.
Who was paid on Investors Heritage Capital Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Investors Heritage Capital Corporation filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Accretive Wholesale Ins Services · Louisville, KY | $26,644 | $1,377 | $28,021 | 1 |
| Alliant Insurance Services · San Diego, CA | $14,751 | $1,200 | $15,951 | 5 |
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 | 178 | $46,404 | $4,902 | 10.6% |
| Delta Dental of Kentuckyvision | 133 | $8,486 | $901 | — |
| Anthem Health Plans of KY, Inc.health, PPO | 155 | — | $28,021 | — |
| United of Omaha Life Insurance Companylong-term disability | 106 | — | $2,908 | — |
| United of Omaha Life Insurance Companylife | 106 | — | $3,359 | — |
| United of Omaha Life Insurance Companycoverage not coded | 54 | — | $3,881 | — |
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 Investors Heritage Capital Corporation 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 | 102 | 103 | +1.0% |
| Premiums filed | $52,307 | $54,890 | not comparable |
| Broker commissions + fees | $34,616 | $43,972 | +27.0% |
| 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 |
|---|---|---|---|---|
| Investors Heritage Capital Corporation#501 · insurance, general assets | December 31, 2025 | July 21, 2026 | before deadline | 103 |
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 Investors Heritage Capital Corporation pay in health insurance broker commissions in 2025?
Investors Heritage Capital Corporation's 2025 Form 5500 reports $43,972 in broker commissions and fees across 6 insurance contracts ($41,395 in commissions, $2,577 in fees), with Accretive Wholesale Ins Services receiving the largest share.
Is Investors Heritage Capital Corporation's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Anthem Health Plans of KY, Inc..
How does Investors Heritage Capital Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Investors Heritage Capital Corporation 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.