Form 5500 · Employee benefit plan · DUNCAN, OK
FIRST BANK & TRUST CO
The filing calls this plan FIRST BANK & TRUST CO. BENEFITS PLAN.
Public Form 5500 records show how FIRST BANK & TRUST CO of DUNCAN, OK, a finance and insurance employer, structures its employee benefits. Its broker of record is CROSS POINT INS ADVISORS LLC. Coverage is written through BLUECROSS BLUESHIELD OF OKLAHOMA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-1332958 · plan 502 · plan year 2025, filed Jun 8, 2026
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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: death benefits, 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF OKLAHOMA, covers 238 people.
Reported premium across the insured contracts is $1,684,853, with $102,802 in disclosed broker commissions — about 6.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CROSS POINT INS ADVISORS LLC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUECROSS BLUESHIELD OF OKLAHOMA, DELTA DENTAL, UNITED OF OMAHA LIFE INSURANCE COMPANY and CONTINENTAL AMERICAN INSURANCE COMPANY. BLUECROSS BLUESHIELD OF OKLAHOMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA | Health | 238 | Jan 1, 2026 | $1,369,936 | $68,497 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 195 | Jan 1, 2026 | $78,848 | $11,827 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 74 | Jan 1, 2026 | $42,395 | $11,530 |
| DELTA DENTAL | Dental | 145 | Jan 1, 2026 | $156,118 | $9,367 |
| VISION SERVICE PLAN | Vision | 135 | Jan 1, 2026 | $37,556 | $1,581 |
Premium and claims on this contract
DELTA DENTAL, contract 7657. For the contract year on this filing, the carrier reported $156,118 in premium earned and $118,747 in claims incurred. Dividing one by the other gives 76%.
- DELTA DENTAL, contract 7657 reported $17,890 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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.
Other plans filed by this employer
How this plan compares
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